How long does a foreclosure stay on your credit report?

Foreclosures on Credit Records

The legal action of foreclosure may show on a consumer credit report for 7 years from the date of entry (filing).

Here is more detail and input from others:

• Seven years from the date it is entered into public records.

• The Fair Credit Reporting Act allows the legal action of foreclosure to remain for 7 years from the date of filing.

• 7 years + 180 days from date of first delinquency.
  The foreclosure stays on the credit report for at least 7 years. After 7 years, the foreclosed mortgage account will fall off of the credit history.
  
  Homeowners can request the mortgage company to remove the foreclosure from their credit report. Banks and lenders can voluntarily remove any information that they originally placed on a borrower's credit.
  
  However, convincing a bank to remove a foreclosed account is fairly rare, as there is no incentive for the lender to do so.