Saturday, February 11, 2012

How long a foreclosure remains in my credit history?

Posted by FSBO

January 1, 2009

ELMAESTRO asked:

Well I had a foreclosure 7 years ago. Is it true that records cleares after 7 years?

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Comment by Leighduh on January 2, 2009 @ 3:53 pm

Generally foreclosures and other derogatory credit information can remain on your credit history for 7 to 10 years.

Comment by jannie on January 4, 2009 @ 6:33 pm

it’s a little too late to worry about your credit history

Comment by Russ G on January 7, 2009 @ 8:37 pm

Forclosures stay on you credit for 10 years. They are considered a legal action. Collections stay on your credit for 7 years

Comment by Studly on January 8, 2009 @ 7:57 pm

Rus G. is wrong…read the Fair Credit Reporting Act!

Civil judgements stay on for 7 years.

It should be coming off soon. Contact the credit reporting agency and dispute it if it’s still there.

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