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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.
The borrower typically gets 20 days to file an answer with the court (if the complaint and summons are served in person) or 30 days (if service is by mail or another method). (Learn more about the difference between a foreclosure summons and complaint.) Notice of a mandatory foreclosure settlement conference.