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After a foreclosure account is closed and ones FICO credit score is say 575. How long would it take to get that FICO score up to say 675-700, assuming proper credit utilization and on-time payments 100% of the time poast foreclosure on remaining credit accounts. I know a foreclosure will stay on CR for 7 years. I thought FICO took mostly into consideration the 24 month immediate months prior? is this true. Just want an estimate timeline.
Thanks
I think two years is about right.
Of course there are always variables but many people on here equate Foreclosure as the same "blow" to your credit score as a BK. In that case 2 years seems to be the time frame as Norman mentioned above.