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Foreclosure fall off date

Established Member

Foreclosure fall off date

Can anyone please clarify if a foreclosure will fall of my credit report 7 years after DOFD or 7 years after foreclosure completion date? My DOFD was July 2005  however the completion date was Sept. 2007.

Message 1 of 5
Frequent Contributor

Re: Foreclosure fall off date

I have a theory, the "lates" will fall off one by one 7 years to the month after it was late and the tradeline could fall off 10 years after it was last reported on your CR.



Message 2 of 5
Moderator Emeritus

Re: Foreclosure fall off date

Is the reported DOFD on EQ 7/2005? Have you looked at the est. drop off dates on TU and EX?



Message 3 of 5
Moderator Emeritus

Re: Foreclosure fall off date

If it lists a DOFD on EQ, then it should be falling off after this month.  I agree with llecs, see what the estimated time this will be excluded from your CR on TU and EX.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 5
Established Member

Re: Foreclosure fall off date

It has fallen off TU last month. However Experian is showing a fall off date of August 2014.

Message 5 of 5