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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.
How Long Do Late Payments Stay on a Credit Report? The majority of negative items will stay on your credit report for up to 7 years. This includes collection accounts and late payments. However, just because the negative information will be on your report for 7 years doesnât mean it will be affecting your score for 7 years.