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I am trying to have 2 mortgage company remove 1 foreclosure and one charge off from my credit. Any help or guidance would be greatly appreciated. After legal separation from my ex husband, he had the terms of the primary and secondary mortgage changed without my signature or knowledge. In regards to the primary mortgage, he exercised an option to extend the Interest Only payment that was set to expire after 5 years. The option was to extend for an additional 5 years. Which he changed during a legal separation. On the secondary mortgage, the payment was based on principal and interest, he changed to interest only without my signature or knowledge. Additionally I was never notified of the foreclosure in writing by either lender. Does the terms changing without my consent and while I did not reside in the home help in getting this foreclosre removed? Or is there any other way to fight this with the lender or credit reporting agencies? Thanks!