Do foreclosure show up on credit report?


Question:
We just received 2 letters out of the blue sent to our old house from investors wanting to buy our house because we are in foreclosure. We sold the house last summer?? I checked my credit report and there is nothing on there. Would it show up if it's currently in process of foreclosure? Where can I check to see if that house is in foreclosure under my name?

Answer:
It would be in your credit report.

However, dont sweat it.

These are not investors, they are bottom feeding scum bags looking to $crew someone.

What happened is that your buyer went into foreclosure (not the same as foreclosed upon) and the public notice was made that such and such property was in the first stages of foreclosure. Then the sharks looked up the tax records, which as NOT utp and found you.
yes everything shows on a credit report
There can be a delay of quite a few months or even years with stuff like this. I once had a $350 overdue charge show up on my credit report 3 years after the company charged me. It caused huge problems because I had no idea they were claiming I owed them that money, and by the time I saw it on my report, it appeared as though I had ignored the account for 3 years.

You should make sure the foreclosure is reported NOW, because the sooner it goes on your report, the sooner it comes off.
In the state where I live, a foreclosure is a lawsuit so you could check the court records in the county where the property is located. Plus, a notice called a "lis pendens" is filed in the real estate records so you could also check the county recorder's office.
Foreclosures are included in your credit report. The fact that this one did not suggests that the investors may have mistakenly sent you those notices.
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