The house was bought September 2007. I honestly do not remember when I moved out or when I started getting letters about having to move out of the house. Both credit reports say the last payment was made 8/2010, but I would have thought the last payment was way before then. That information may be right, but I just have no idea and do not have any of the paperwork. So, TU and EQ are both reporting that the pay status is 120 days past due with a balance of $0. There are two loans - 76,302 (FHA Real Estate Mortgage) and $3,279 (second mortgage). TU says "foreclosure initiated" and "foreclosure collateral sold". EQ has the same thing, but only their comments say "foreclosure process started, fixed rate" for both mortgages. The house foreclosed and was sold to someone else. Are the credit agencies reporting the wrong information since it still looks like the foreclosure hasn't started yet?