Also, they list as a current mortgage the property that is now my ex wife's, which she refi'ed in jan 06. (We divorced in NOv 05.) How do I document that this mortgage is closed? They also list a gas card (Shell) which she undoubtedly still uses. Knowing that her credit is excellent, should I just leave that alone? I obviously don't use it, but maybe being on it might give me a piggybacking like benefit?