Drift, they are reported differently, these two. M-5 is a Short Sale, and M-8 is a Foreclosure. They are treated differently when you want to buy or refinance. The codes are sometimes incorrect on the credit report, and borrowers are being told they will need to have them corrected to proceed with their new home loans.Congrats! I have a question if you dont mind, you said that you didn't take a FC hit on your credit report, I thought a short sale was in effect the same credit report hit as a FC? Or has something changed?