The very first thing is to pay all your bill's on time or a little earlier if possible. And you can get one of those credit cards where you pay in advance and that will build up your credit. You want to build your credit back up. And it does take time. Be patient.
No, having her listed as an authorized user will have no impact on your credit score.
It wouldn't show up as a completed foreclosure, but it would show up. It would say "foreclosure started" or "foreclosure initiated" or something to that effect.
A foreclosure will typically remain on your credit report for seven years.
The foreclosure will be on your credit report indefinitely.
Deed in lieu of foreclosure is not nearly as devastating to your credit as is a full foreclosure. Below is an article about the pros and cons of deed in lieu.
A foreclosure will typically remain on your credit report for seven years.
how many points dose foreclosure decrease your credit score
Usually a foreclosure will lower a person's credit score by 250 points, and sometimes by as many as 280 points. The foreclosure stays on a person's credit report for seven years.
judicial foreclosure process
You will not lose your general contractor license or your real estate license if you have foreclosure on your credit report. A foreclosure or bad credit is not a disqualification for these types of licenses.
A foreclosure can stay on your credit report for over ten years. It will have a significant and negative impact on your score.
you must restore your credit.