A foreclosure will harm a consumer's credit reports in two ways.  The first is the credit score itself. A foreclosure will lower a consumer's credit score by 80 points.  This is a mainly caused by the three missed payments leading up to the foreclosure.  The second way a foreclosure will harm a consumer's credit report is by having the 'foreclosure' itself listed on the credit reports.

Credit Restoration is an efficient way to work at trying to remove the 'foreclosure' off the consumer's credit reports.