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  1. Hi We hit an issue with refinancing a property where my wife and I are both on the deed but I am on the mortgage note, not my spouse. I have mediocre credit due to a prior Ch 7 and a loan mod attempt (meaning payments were behind for a while). I declined the loan mod as it wasn't really going to do me any good and I brought the payments up to date. Now we want to refi in my wife's name only. The current mortgage does not of course show up on her credit report as she is not responsible for the payments (not being on the note). She has Credit score of 760, plenty of income in her name (verifiable), little debt, and the LTV is 75%. The bank said as long as the current mortage is currently up to date so they can get a payoff figure (which they have done) they wouldn't care about the late payments as they are in my name and the new mortgage is in my wife's name only but the underwriting department (mistakenly in the view of the loan officer) is asking for the payment history in my name showing up to date payments, which I cannot of course provide. This is not in a community property state. Everything I have read indicates that they should not be asking for this information, How can my credit history affect their decision to issue credit to my spouse who as I said, has excellent credit, never filed for bankruptcy, and has more than adequate credit and collateral. ? Thanks for any comments
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