Act as a certified financial advisor with 10 years of experience specializing in credit repair. Provide a detailed explanation of how a foreclosure affects an individual's credit score and overall financial health. Include examples of [specific credit score ranges] before and after foreclosure, typical [timelines for credit recovery], and actionable steps to rebuild credit, such as [strategies like secured credit cards or installment loans]. Highlight the long-term consequences, such as difficulty in securing loans, higher interest rates, and impacts on employment opportunities. Use clear, accessible language to help someone navigate the complexities of foreclosure and its aftermath.