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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.
Time Constraints. Lenders limit the period of time for the short sale to take place, like 4 months. The seller is responsible for showing the home to potential buyers. Some lenders require a real estate agent be used when listing a home for a short sale.