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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.
Hi, On a conventional sale, three days max (default of contract), on a REO/bank owned between seven and 10 days. Short sale, the home owner normally signs pretty quick but then has to go to their bank and wait for a possible Short sale approval (the real acceptance of your offer) and that can take as long as eight weeks, sometimes longer.