 TITLE: How Does a Foreclosure Affect Credit? CONTENT: Can You Remove a Foreclosure?\n-----------------------------\nA legitimate foreclosure entry cannot be removed from your credit report before its expiration date, seven years from the date of the first missed loan payment. At that point in time, the entry should fall off your credit report on its own. If it doesn't come off your report after that date, or in the highly unlikely event that your credit report reflects a foreclosure that never happened, you can use the credit report dispute process to document the error and have your credit reports corrected.\nA foreclosure is a difficult process that can have major negative impacts on your credit, but with time and good credit habits, it is possible to recover and one day buy another home of your own. END