Hi all, I just signed up for score watch and saw my fico score was a bit higher than I expected (but still low and needs a ton of improvement in order to buy a house). I did notice though that I have two car loans through same company (bought with ex husband when we were married we were still both on loans and had missed payments). On fico my car reported, but my ex husbands shows no credit reported and shows paid as agreed with zero balance. He just sold the car (needed my signature because I was still cotitle owner) but his missed payments are on my credit reports and wondering why it didn't show as derogatory on my fico? Does anyone know why this would have happend and if this will come up later and drop my score substantially? He missed two payments this year so this is why I am worried. I want to make sure I have an accurate score to based my plan of action on. Thanks 