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BONNIE SPAIN: How do you rebuild credit after a short sale? People have a variety of credit scores, not just one score. According to the national credit-reporting agency Experian, a short sale can, on average, decrease the seller’s credit scores by 110 to 120 points. This occurs because, in a short sale, an account is settled for less than is owed. Re-establishing credit isn’t difficult. It just takes effort, time and consistency.