I did a strategic default on my house in Sacramento, CA. I stopped paying in June of 2012 on the 30 yr mortgage and it was claimed by the bank and reads failed to pay on my credit report on December 2013. The HELOC is the exact same dates. When will the negative reporting stop on these two loans on my credit report? I've heard 7 years. Is there anything I can do to get this off my credit sooner? Thanks in advance!!