Me and my husband have been separated for 4 years, which be faithfully made the house payment in that time, EXCEPT the last 3 months, he just stopped and I didnt noticed it, because he is in Afghanistan and I never paid attention to the bill. Until I started getting certified letters is when I found out. He has since paid it up to date, and now I'm making the payments on the house since the divorce. But because of those 3 months have done some damage to my credit score. How can I get this off? I asked the mortgage company and suggested a lawyer. Really?! What do I need to do?