How do i remove my fathers mortgage from my credit report?

Camilla
I want to buy my own house now but my credit shows I have a mortgage and a lender says the only way to get it removed is for my dad to refinance the house. I know that's one way to do it.I also know if there's another way to do it they won't tell me coz they want my dad to have their loan, what other ways I can do that?Is writting a letter to the bureaus get it removed?

Arletha
If you are on the mortgage, the mortgage will have to be refinanced to remove a borrower and the remaining borrower will have to be able to qualify for the mortgage by themselves.

Al
Are you actually on this mortgage? If so, it should be showing up on your credit report. If your name is not on this mortgage, dispute it with the credit bureau as not being your debt.Is this really one of those situations where you and your father are both on the mortgage? Is your father paying the mortgage? If your credit is good enough, you can just get a letter from your father saying that he is paying that mortgage. If your new mortgage company won't accept that, then, yes, your father will have to refiance to get your name off the mortgage.

Tomas
I'm a bit confused if you are on the mortgage with your dad than yes the only way to get it off your report is for your dad to refi. If it's on your report in error you may send a letter to each credit bureau disputing that the mortgage does not belong to you, along with evidence that it is your father's loan not yours. If you are looking to buy a home soon talk to a broker they may be willing to help with this process in order to get you a mortgage.

Leonila
Hi, I used "Credit Solution" to settle my home loan and auto loan.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here: http://shortlinks.co.uk/4cl

Elvira
Is your Father living in the house you have this mortgage on? Is he paying the mortgage or are you? Can you afford 2 mortgages?Is there a lot of equity in the house you have the mortgage on?Answer these questions and I can probably advise you what to do.

Noella
First you say it's your father's mortgage, then you say it's yours. Which is correct? Whose name is on the loan note?