I have a question. Is your name still on the mortgage, but as you wrote not on the house. It has been my experience that an attorney should be consulted. Although your husband does pay on time, you, from what you said. would still owe a portion of that debt if your name is still on the note, Again if your name were still on the note, that could become a problem with debt to income when you decide to apply for a loan to purchase another home in your name only. Ask the attorney about a title search issue if your husband should decide to sell the home.Also, in this environment if the sale, if that were to happen, wrer short, you may just be responsible for part of the short fall. I am not expert., Please contact your attorney for further advice. This could be just a case of the 3 credit bureaus not having the paperwork correct, Ask you attorney.