It Can Pop On There At Any Time, Regardless

Hello Paul,

My husband and I were living in a home that my father owned. Mortgage, title everything was in his name. My husband and I both lost our jobs and were no longer able to afford payments.

We did what we could to keep the payments current in order to avoid wrecking his credit, while we had the home on the market. But after a while, we couldnt keep up. So, after sitting on the market for over 9 mos, we got an offer, but by then, it was already in foreclosure. The lender didnt get to the short sale package in time, and it went to auction 1/2/2008.

My Dad ran his credit last week and the foreclosure is not there. The account shows a few lates, but nothing of a foreclosure. Is this normal? Its been over 7 mos since we moved out.

Im just wondering if the Lender has a time limit on reporting the info, or can it pop on there at any time, regardless?

Melodie