If the equity loan says account closed on my credit report, does that mean she is still responsible and it is still open loan on her account?
She ended up refinancing the primary mortgage Nov. 2010; but said she could not refinance the equity loan because the home appraisal did not appraise high enough to refinance both at the same time. Is there anyway she may have gotten out of paying off the equity loan because of my bankruptcy?
Would my name be taken off loan as result of bankruptcy? I don't want my name on a loan with her....Even though it is no longer showing up on my credit report, will it still be included in my debt ratio if I try to buy another home at some point in future when credit score improved?
it will no longer be included in your debt ratio