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常见问题
How long does a foreclosure stay on my credit report?
Foreclosure remains for 7 years from the first missed payment under FCRA. Its foreclosure credit impact fades with positive history, often in 2-3 years for decent scores.
Can I get a mortgage after foreclosure?
Yes, FHA allows 12 months with extenuating circumstances (like job loss) or 3 years standard, per 2026 guidelines. Conventional waits 2+ years; build to 620+ FICO first.
What's the fastest way to rebuild credit after foreclosure?
On-time payments (35% of score) and utilization under 10% yield 50-100 points in 6-12 months. Add secured cards and dispute errors.
Do credit repair companies remove foreclosures?
No—valid ones can't be removed early. CROA bans scams promising this; focus on disputes for errors only. Recovery takes effort, not services.
Does closing old accounts help credit repair after foreclosure?
No, it shortens history (15% of FICO) and hurts mix. Keep zero-balance ones open.
How much does foreclosure drop your credit score?
Typically 100-160 points, more if you had good credit (760+ pre-foreclosure). Poor prior scores drop less.
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