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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.
This is the million-dollar question. I have closed short sales within 6 weeks from the date I listed the property to the date it closed. Others can take 30 days. But most will be 3 to 4 months. Some Bank of America short sales, believe or not, get approval in fewer than 30 days.