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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.
Lenders will set underwriting guidelines for how much time must pass after a foreclosure before they will lend to you again, but the acutal reporting lasts 7 years. S â¦ ome lenders will extend credit if the foreclosure is not within the last 2 years, 3 years, or 5 years depending on their policy.t can stay on the report a bit longer if it goes to court and the bank gets a judgment against the borrower. Say this happens in 2004, then that stays on the credit report another 7 years until 2011. Bankruptcies stay on 10 years while delinquencies and defaults stay on for 7 years.