How to a Get Forclosure Out of a Credit Report

A foreclosure does not report on your credit report forever. Like many types of negative credit accounts, a foreclosure may be reported for seven years. After the seven years have passed, you can remove the foreclosure from your credit report by disputing the account with the credit reporting agencies. The reporting agencies check the account data and the foreclosure information with the company that issued it. If the full seven years has passed, the account will be removed from your report.

Instructions

Experian

1

Open Experian's website pertaining to online disputes, in Resources.

2

Use a recent credit report from the past 90 days from Experian, or use the links on this page to request a credit report. You may need to pay for the report. Experian requires you have a recent report in order to dispute any accounts.

3

Click the link "Yes, I have a credit report number." Fill out the form completely, including the credit report number, your name, address, previous addresses within the past two years and Social Security number. Click "Submit."

4

Use the credit account listings on this page to find your foreclosure account. The date the foreclosure opened is listed on this account. If it is older than seven years, click "Dispute this item." Indicate the account is too old to be reporting and click "Submit your dispute."

Transunion

5

Bring up the Transunion dispute center on its website (see Resources).

6

Click "First Time? Click Here" if you are a first-time user of the Transunion website. Log in once you have a username and password.

7

Click "Credit Report" and "Report Inaccuracy" to access the dispute panel. Find your foreclosure in the list of accounts and click "Request investigation." Tell Transunion that the account is too old to remain on your credit report. Click "Submit."

Equifax

8

Go to Equifax's dispute web page (see Resources).

9

Fill out the form, skipping the credit report number if you don't have one. Click "Submit."

10

Answer the personal identity questions on this page to verify your identity. Click "Submit."

11

Choose the option labeled "Start a new dispute." Find your foreclosure listing in the accounts and choose "Dispute this item." Inform Equifax the account is too old to be reported and click "Add dispute."