Most people get a bad credit score score that way of financial hardships or carelessness. Learning how to fix credit score information important for anybody, but especially you to be able to be fortunate to get credit and loans in future.
The not so good is the borrowed difference not satisfied by generally of your house can be what is termed a collectible charge-off. This means the outstanding difference can be collected upon in most states up to 7 years. My understanding is this will be on your file for 7 years too.
In some cases, you might want to turn to company to guide you to regain control of your debt. A debt consolidation company can manage your short term accounts and lower your rates on details accounts, letting you stay via bankruptcy.
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These some of the steps to fixing your credit. Remember to always start finding your free credit report and then go from currently there. Good luck!