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HOW DO YOU REMOVE A FORECLOSURE OFF YOUR CREDIT?

I am helping my sister in law fix her credit. but she has a foreclosure on her credit report. We live in Florida and this happened about 3 years ago. How can she remove it before the 7 years? Any advice or help Please! Well she was very responsible with paying her bills. Her son is autistic and she lost her job a year ago. What money she do have she spends on him. She is a genuine nice person, something bad just happened to her. Thats why I'm helping her. I have gotten a couple of hospital bills off for her and the only thing that remains right now is her foreclosure.

Public Comments

1. You cannot remove accurate negative info...it has to age off naturally in 7 years
2. Was the foreclosure included in bankruptcy proceedings? If so, all you have to do is dispute it with the credit agencies, and if found legitimate, it will be removed. Otherwise, you could try to dispute it now... it might be taken off, but sometimes gets re-added. The reason for this is the credit agency must get confirmation with the creditor listed on the report, and a lot of times they dont have the time or the file anymore to confirm. So it gets taken off by default.
3. You can't. It is part of her credit history and it will be reported as such. The bank that foreclosed on her wants to make sure that she does not stiff another bank in the next 7 years. She cannot stiff a bank for a loan and think that there are no long term consequences for the actions.
4. Don't think you can just remove something from your credit report. It takes time. And good, responsible bill paying. A foreclosure normally takes 7 years to "disappear" from your credit report. I have a credit score of over 800. What I've done is regularly check my credit report and print it out. IF we ever have to go into foreclosure on our house (doesn't look like it will happen), I can show prospective landlords that my credit WAS excellent, up till the time we had to foreclose. That would show a history of being responsible, and losing a home would just be due to losing a job, and NOT due to being irresponsible. Something you had no control over. That's my strategy, hopefully it will work if the time ever comes.
5. She can't. It is a factual statement and remains
6. There's no way to remove it. If she didn't pay the debt, unfortunately it doesn't matter why and there's no way to make it disappear.