I helped my son when he was in college by co-signing loans and also co-signing for a car. He now has a job and has been paying his loans and car note on time for the past two years. If he refinances his vehicle in his name, how can it be removed off of my credit? The student loan lender told my son I would be removed borrow money online instantly no credit check after two years of payments. How quickly will these two items be taken off my credit, or are there steps I can take to assure they are removed? 

Let us not forget what a credit report is. In essence, these documents are nothing more than a record of what you — the consumer — have done with any funds that you’ve borrowed or legally owe.