credit score affected by title Q & A


I came across your website, thank goodness for it. If you don’t mind answering a question I would certainly appreciate a response, whose credit score would be affected if someone forecloses a house. Is it the mortgagee’s or the title holder’s or both? The person’s name on the title is not the same person as in the mortgage contract. Would both be affected from the foreclosure?

I look forward to your reply.

Thank you,

Lago from Michigan

Hi Lago,

The person that is on the mortgage is the only person’s credit score that will be affected. If there is a person only on title that individual credit will not be affected what so ever. Typically individuals that have there social security number attached to a debt is what reports to all 3 credit bureaus, not someone that holds title.

Hope this helps.

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