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if I am not on our house mortgage will this effect my credit

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Cmaxhimer Joined: 10 Sep 2009 Posts: 1 1.29 Dollars($)	Posted: Thu Sep 10, 2009 9:54 am    Post subject: if I am not on our house mortgage will this effect my credit Like 0 Dislike 0 will my credit be effected if I am not on the loan?
JKennedySLG Community Expert Joined: 01 Apr 2009 Posts: 408 Location: New Jersey/New York 20.05 Dollars($)	Posted: Thu Sep 10, 2009 9:58 am    Post subject: Like 0 Dislike 0 You will not be affected by not putting your name on the loan as you are not responsible for this mortgage. If the loan goes late, your credit will not be affected and it will not impact your score. I hope this helps... _________________ James Kennedy New York/New Jersey (732)979-7409 Hard Money & Stated Income Loans First Time Home Buyers (540+ Credit)
smithsara302 Joined: 12 Jun 2009 Posts: 116 -2.38 Dollars($)	Posted: Thu Sep 10, 2009 10:06 am    Post subject: Like 0 Dislike 0 definately not, as you are not on loan. how your credit score will get affected as you are not borrower of loan.
sunnyca2009 Joined: 04 Aug 2009 Posts: 1731 35.55 Dollars($)	Posted: Thu Sep 10, 2009 9:24 pm    Post subject: Like 0 Dislike 0 It will not affect your credit report. But if your name is on the deed for some reason the house gets foreclosed then it will probably show up on your report

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