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Credit Advice
Topics addressed on March 31, 2011:
When foreclosure is added to a credit report
Dear Experian,
When is foreclosure listed on credit report, at the date of sale, at the end of the foreclosure process or at the redemption date?
- ABR
Dear ABR,
The answer is none of the above. The foreclosure filing date is the date that drives when a foreclosure will appear on your report and when it will be deleted.
Foreclosures remain on your report seven years from the filing date of foreclosure.
The other dates you mention are important to the lender and courts and may cause the status of the foreclosure to be updated, but have no bearing on when the information is added to your credit report or when it will be deleted.
Thanks for asking.
- The "Ask Experian" team