Timely repayment of timeshare debt, like any other debt, can have a beneficial impact on a credit score and profile when the creditor reports to the three major credit bureaus (Experian, Equifax and TransUnion). However, when payments on a timeshare loan fall delinquent, in addition to missed payment fees and accumulated interest expense, damage to a credit score and profile can result. In extreme cases, a timeshare foreclosure will have significant negative impact on an individual's ability to secure another mortgage for up to seven years.