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Remove a Foreclosure from Your Credit Report

Removing a foreclosure from your credit report requires time patience and expertise. You can dispute it, but you’ll need the right documentation to demonstrate that it doesn’t belong on your credit report.

You may be able to remove a foreclosure from your credit report if:

  • The foreclosure is more than seven years old
  • The lender is no longer in business
  • You have a voluntary dismissal
  • There is a lack of available records
  • Predatory lending laws were violated 

How Does a Foreclosure Affect My Credit Score?

A foreclosure can drop your credit score by up to 140 points.

Foreclosures mean you were late on your payments before the foreclosure, which leads lenders to think you might not pay them back. 

How Long Does it Take for a Foreclosure to Come Off Your Credit Report?

Foreclosures can typically stay on credit reports for more than seven years.