This happened to me as a result of my divorce. My credit report has no record of the legal action. The loan was never part of my credit history, so the default nor the foreclosure action is reflected and my score remains high. However, I am not sure what underwriting efforts are completed when applying for a subsequent home loan. We had two homes at the time and we still share ownership of the second home, which was our vacation home. I would like to purchase another home, but I have no idea if the foreclosure will show up in other underwriting efforts beyond the credit bureau. Does anyone know?