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How Does a Short Sale Impact Your Credit Score? Since you didnât repay the full debt as agreed, a short sale may significantly impact your credit score. Even if your payments were never late, the mortgage will remain on your credit report seven years from the date it was reported settled or paid.
Selling your home could impact your credit in a few key ways. Letâs take a lookâ¦. Having a mortgage with a positive payment history is a big plus for your credit. When you sell a home and pay off a mortgage in full, the paid mortgage will stay on your credit report for 10 years from the paid date.