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How Does a Short Sale Impact Your Credit Score? Since you didnât repay the full debt as agreed, a short sale may significantly impact your credit score. Even if your payments were never late, the mortgage will remain on your credit report seven years from the date it was reported settled or paid.
New credit or inquiries from creditors show on your Experian credit report for two years, but only the last year impacts your FICO Score. Sometime opening several credit accounts in a short period of time represents a greater risk to lenders-especially if there isn't also an established credit history on record.ew credit or inquiries from creditors show on your Experian credit report for two years, but only the last year impacts your FICO Score. Sometime opening several credit accounts in a short period of time represents a greater risk to lenders-especially if there isn't also an established credit history on record.