I bought a house a could n't really afford. I never made a payment. When I was 3 payments behind, I sold the house. It sold for substantially more than I owed and even th the late fees, etc. were covered by the sale. The day it closed, a collection person from the mortgage company called to say he would not accept the payoff funds unless I came up with an additional {$1200.00} THAT DAY. If I did not, he would reject the payoff funds and begin foreclosure proceedings. I paid that amount through the escrow agent and the sale closed. A full 10 days later the mortgage company filed foreclosure on the house, naming me AND THE NEW OWNERS as in default. I was able to get the trustee agency to close the file, but not before it was reported to all XXXX credit bureaus on my credit report that I had an ongoing foreclosure. My attorney wrote them and demanded the foreclosure be removed from my credit reports, along with the XXXX late payments as they had been paid in full. To my knowledge, they removed the foreclosure from XXXX of the XXXX credit bureaus, and 2 of the late payments. My understanding is that XXXX still shows the foreclosure and 4 late payments. 
