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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 Frame. A 30-day late payment notation is a negative item for your credit. Like most negative items, the 30-day late payment will only remain on your credit report for seven years. After seven years, the Fair Credit Reporting Act dictates that the credit bureaus must delete it from your record.onsiderations. A 30-day late payment will remain on your credit record for seven years, but the negative impact it has on your credit rating will decrease over time. The most recent information on your credit report has the greatest impact on your scores.