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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.
It just depends on what the seller and buyer agree too. If itâs a regular sale with regular financing the time is usually 45-60 days. Though these days if you give a bank 45 days they take 50 days, if you give them 60 days they take 65, etc.Sometimes a buyer needs a little longer, or a seller needs a little longer. short sale can take 6 months anyway, but weâve had situations where the buyer drops out late in the process. If thereâs a backup contract in place it moves to primary position, but the short sale process starts all over with the new buyer. In this case the house never loses its âunder contractâ status.