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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.
How long Does Foreclosure Affect Credit. A foreclosure is one of the most traumatic events that can take place in your credit history. So How long Does Foreclosure Affect Credit? Depending on what your credit was like before the foreclosure took place, this event can reduce your score by anywhere from 225 to 300 points. It also remains on your credit report for seven years.