Ok in Alabama over 6 years ago I missed a payment on our home. We had an 80/20 loan both originally through country wide. The 20 is a jumbo. Foreclosed 5 years ago this past Sept. The foreclosure then reported for one year from that date after that it stopped reporting on the first mortgage! It still reports every single month on the balloon. So credit score can't get above 630. The "released" that in 2015, Feb but of course that isn't listed as settled just released. How long can they keep reporting. Balloon payment originally was supposed to "end" or balloon or whatever 11/2020. Any insight is appreciated. Every lender or lawyer we talk to seems perplexed.