Here's a question: In my spouse's divorce decree his ex is supposed to refinance the mortgage. During to divorce process, he filed a "quit claim deed" on the property. Now on his credit report the mortgage show up with the caption "not responsible". Exactly what does that mean? If he is no longer responsible for the loan, shouldn't it be a closed tradeline? Could we have it taken off? The loan amount is hurting our overall c to d ratio. If we can't take it off will the "not responsible" notation help our overall credit to debt ratio?