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How long is a car repossession on your credit report after you pay it off and get the car back?

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2015-07-15 19:10:15
2015-07-15 19:10:15

7 years

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The repossession stays on your credit report for 7 years.

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If your vehicle is already up for repossession, it is already on your credit report as a delinquent or defaulted debt.

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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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By federal law, 7 years from the date of repossession or sale or last payment. The state is irrelevant.


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