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If the SUV account is closed, then there's nothing to pay off, so it can't affect your credit. And, the bankruptcy can't be recorded on your credit report, unless you file bankruptcy. So, as long as the mortgage remains current, there would be nothing to negatively affect your credit.
At least, not so far.
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I don't know what you mean by "turn it in," but it can't affect your credit unless her name is XXXXX XXXXX loan.
She can't give it back to the bank, as long as the payments are current, and without your signature on title.
Nothing will happen as long as you don't stop making payments.