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According to the Fair Credit Reporting Act (FCRA), a home foreclosure can stay on your credit report for up to seven years. The clock starts when the bank files the notice with the court. Soon after this, the event will be reported to all three of the credit-reporting bureaus -- TransUnion, Equifax and Experian.
A foreclosure will remain on your credit report for seven years and will impact your credit the most in the first few years. As the foreclosure gets older and you add more positive history to your credit report, your credit will improve.