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Original Message:

Foreclosure, defaulting on a loan, negative credit reports... (by JC):

Nice of you to respond ken1193. It took roughly 2 years for me (fully paid/no loan default) of unpaid fees and taxes. Foreclosure itself took 12 days from recorded notice. Now I'm just dealing with paying a fee for them not to report to the credit reporting agencies and I don't know if I should fork over my hard to come by money.