First thing first. Is the mortgage in both you and your ex names?
This is important because if this mortgage is in both names then your option would be to refinance under you ex names, sell the property, or short sale. These are the only methods to free yourselves from mortgage.
Simply telling credit bureaus and lender about divorce does absolutely nothing because after all, you and your ex jointly borrowed money to purchase a house. Both you and your ex are equally responsible to pay it back.
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