<prompt> Human: Pretty much what the title says. We were foreclosed on and the house was sold at auction for more than what we owed to the bank. Our debt to the bank has been satisfied so does that change the impact it will have on our credit?  <response>: All it means is that they wont go after you for a deficiency judgment assuming that the more than what we owed also includes their legal costs, real estate commissions, and so on. It still counts as a foreclosure on your credit history; that they sold it for enough to cover the debt is not relevant to that. 