Back in Aug 2012 I cosigned for a loan with my ex due to him having awful credit. The loan amount is for $6,000. I owe nothing to him, he is always late on his payments an I have asked him numerous times if he would go and try to refinance it in his name. I'm tying to get approval for a mortgage and this is dragging me down. I was told by a banker that I could get my name off the loan if he uses checks in his name to make the monthly payments, he doesn't use checks though, used cash. What is my next step? I need this stupid mistake out of my name.