Monday, May 21, 2012


When does the clock start to count down in a foreclosure?

Josue G asked:


I am aware that a foreclosure will stay on ones credit report for 7 years but when does that time begin to pass? Is it from the time you first start the foreclosure process or once the property is sold at auction and account written off?

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Comments

I would think it would be the latter. When the house is actually foreclosed on and sold or taken back by the bank and vacate the premises.

Accounts are removed from your credit report 7 years after the date of last activity on your part. The last time you made an actual payment will start the clock running on the 7-year time period.

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