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7 years if there is no "new action" on the particular account. "New action" means if you were to start paying on it or if the financier were to get a Court judgment on the loan.

By the way.......A voluntary repossession (turning in the car before it go to collections) is the SAME as a regular repo. It will be listed on your credit in the same manner unless tou have negotiated a new termination clause wiyh the lender.

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Q: How long does a repossession remain on a credit report?
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How long will a car repossession in California remain on your credit report?

7 years is the norm.


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For Experian, a voluntary repossession will remain on your credit report for seven years from the original delinquency date of the debt.


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