As part of divorce settlement (January 2011) my ex was required to remove me from our Mortgage and Home Equity Loan ($600,000). For 23 years we made timely payments, so there was no BAD DEBT - just debt.
My problem is that it took him 2.8 years, and in that time my income to debt ratio was overwhelming. I was denied the most simple credit applications. During that period I paid any and all debts that I personally incurred both in full, and on time.
Now that I am off, how long will it take for Equifax, Transunion and Experion to reflect the change?