On June 20, 2003 I separated from my husband and moved into an apartment. In October, 2003 my husband stopped making the mortgage payments on the house we shared because ''it was the family home and we had no more family'' (to spite me). He is allowing it to go to foreclosure. The divorce is not yet final. I am told that it will be final next week. The foreclosure is dated for June 18, 2004 He has been awarded the house in the financial settlement. In shopping around for a lender so that I can buy my own house, I was turned down because of my poor credit history due tononpayment of the mortgage that my husband is responsible for and the impending foreclosure. I spoke to the bank about this and their reply was that I had shared responsibility for that mortgage because my name is on the loan. It doesn't matter to them that I haven't lived in it for almost a year and that my husband was awarded the house. What steps to I take now to get around this. Prior to this, my credit was excellent. Thank you for your time in replying to my question.