What is the name of your state (only U.S. law)? Illinois. When I was married we bought a home and about a year later we separated and I filed for a divorce it took 3 years for the divorce to be final. I had gave her the house and in my divorce papers it states she has one year to refinance and take me off of the loan, I did a quit claim deed before we got divorced also, the house foreclosed and now is on my credit report and I'm trying to buy a house once again but this is a big negative on the report. Is there a way I can remove this from my credit report or challenge it since she was per say in a contract so to say? It seems as though she let the house foreclose on purpose like she had no intention on keeping the house.