 TITLE: Can I Get a Foreclosure Removed From My Credit Report? CONTENT: How Can I Rebuild My Credit After a Foreclosure?\n------------------------------------------------\nWhen it comes to rebuilding your credit reports and credit scores after a foreclosure, one thing is universally true: Time is your greatest ally.\nEven if you did nothing except wait for time to pass, your credit scores would improve simply because late payments and foreclosure have less impact on your scores as they age. And when the foreclosure eventually is removed from your credit reports, it will no longer have any negative impact at all.\nIn the meantime, you can do other things to help the rebuilding process.\n*   **Check your credit reports and scores regularly.** You can check your credit scores for free in a variety of ways, including getting it through Experian. When checking your credit reports, review what might be dragging down your scores, such as a high credit card debt load or frequent applications for new credit.\n*   **Avoid any further negative credit reporting.** The best way to do this is to make all your payments on time, without exception. Never missing a payment means you won't have to worry about derogatory credit entries.\n*   **Pay down or pay off your credit card debt.** FICO® and VantageScore® credit scoring models both consider your credit utilization ratio, which measures your credit card debt relative to your total credit limit. The more credit card debt you have on your credit reports and the closer your balances are to your credit limits, the higher the credit utilization ratio and the more it can hurt your scores. Shoot for a ratio under 10%. END