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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.
Varying from lender to lender, it can take two weeks or as long as 60 days to receive an approval of a short sale from a lender.Even with an approval, it may take 2-4 months for the home to be sold. During the short sale process, you are allowed to live in the home.arying from lender to lender, it can take two weeks or as long as 60 days to receive an approval of a short sale from a lender.