I signed the mortgage on my house, but not the promissory note. My spouse signed both, and the bank is now foreclosing on the house. Can the past due payments be reported on my credit score under the Fair Credit Reporting Act? After doing some online research, it seems that if I have not signed the note, I am not liable for the payments on the mortgage, just that I have an interest in the security, the house. Does the FCRA prevent the reporting of these late payments on my credit report? Also, it seems that since I signed the mortgage, the foreclosure can be reported to my credit report, possibly hurting my credit score... is this true? If it matters, we live in Florida. Thanks. RD