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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.
No, if the foreclosure was nonjudicial. If the foreclosure was judicial, you can redeem your home within 180 days after the foreclosure sale. Pennsylvania. Judicial. No. Rhode Island. Nonjudicial. If the foreclosure was nonjudicial, you donât have the right to redeem your home after the foreclosure. If the foreclosure was judicial, you get three years to redeem after foreclosure sale by paying outstanding mortgage debt plus costs and interest.