I have two $16,000 personal loans. My husband and I recently reconciled after a 3 yr. separation and have found a home we want to buy. He doesn't know about the loans. I must get them off my credit report or we will not qualify for a home loan. I could only come up with someone allowing me to put the loans in their name. Is that my only solution?
The short answer is you can't. Even if you paid off both loans today in full, they would remain on your credit report for a number of years, because they are part of an accurate picture of your financial record.
I would strongly suggest telling your husband about the loans. When I received my mortgage the loan officer told us that he often had spouses find out about debt in his office, and that is not the recommended way to communicate it.