One of the most frequently asked questions that I am asked is, "How do I get that really low fixed interest rate I see advertised on television." Now at this point I tell my customers the big secret - you have to meet all of the qualifications involved in order to receive such a rate.

Divorced, yet partners in a loan (The Star-Ledger)
My ex got the house in our divorce settlement. I was told that he was not required to refinance, so of course the loan is still in my name as well. He makes late payments with depressing regularity. This is reflected on my credit score. Do I have any recourse? Sadly, not much.