[Celeste M.]

My house went into foreclosure in Feb. or March of 2006. Several years ago when I got a credit report on myself, it was showing up as a foreclosure in process. Well, I have been working hard to clean up my credit over the last couple of years, so I bought another credit report with the 3 major credit reporting agencies. To my surprise, the foreclosure is no where to be found. On the transunion report it shows my old mortgage but it has no negative remarks and shows my balance owed $0. The other 2 reports say nothing at all about my old mortgage. How did this happen? It has only been 4 years since foreclosure? Did I just get lucky or will it not show up on a report that I purchace for myself?

[Freddy Fuhktarred]

the only things I can think of are 1) you got lucky because someone made a clerical mistake or 2) it is possible that the amount of monies that the mortgage company recovered in the foreclosure process was enough to recoup your debt in the mortgage..if this was true, then they ended up making money on you and your loan was paid off..