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when we left the show or went to the break we were talking about consumer report of a spouse who did not sign the promissory note lets say you were either a friend relative or a spouse who did sign the promissory note in other words husband and wife get married they buy a house together both on the promissory note both on the title divorce comes unfortunately and the husband says okay you keep the house you agree to make the payments Ill sign a quitclaim deed over to you im going to give you ownership and then maybe in five years you got to refinance the house well the five years goes by why its not able to refinance the house because the house went upside down but shes always made the payments now because that payments being made timely the husband is getting the benefit of that information on his credit report in other words the husband is getting the benefit of another trade line showing good pay good pay good pay good pay good pay for the last five years or 60 indications say