Hi my name is Elizabeth Hebert. I got divorced in 2004 and my ex-husband and I had a boat note together. In the divorced he got the boat. Now he hasn't been paying the note on it and it is brought my credit score down very low because he did not refinance it. What can I do about this? I can not get any loans. It states in the divorce papers that he is responable for this loan and not me. I have had problems with my credit before but was always able to get a loan. The boat is about to get repossed and he said the only way i could get it is if i refinanced the boat in my name. I can't do that now because of my credit. Is there anything I can do about this other than just let it repo? I am not going to pay for something I don't have but yet I'm being punnished for it through my credit. I don't know how all the laws work but to me there should be something I can do about this. If not than I guess my Credit will be bad for 7 years. It seems no matter what I try it doesn't work. I tired to get a loan for people with bad credit and yet I couldn't. Why is it that it says we finance people with bad credit and than turn around and tell them NO? I am trying to help the bank get their money but no one wants to help me.