Well i haven't applied for any loan just yet, but i just saw it on a copy of my credit report and i assumed that it would mess up my dti. Another concern of mine is if she defaults on the loan or defaults on her insurance or even does something to total the car without being covered by insurance. I've heard horror stories about ex-husbands 5 years after the divorce being held liable for the cost of the vehicle and am trying to avoid this! Thats why i'm pushing for the re-finance.