7 years from the date of repo.
IF the lender posts a repo on your CR, you have one. You will have the repo on your credit report, but it should also show up as "redeemed".
If your vehicle is already up for repossession, it is already on your credit report as a delinquent or defaulted debt.
A repo will stay on your credit report until the remaining balance is paid off or settled, you still owe the amount left on the vehicle even though the car is not in your possession.
as a repo
For Experian, a voluntary repossession will remain on your credit report for seven years from the original delinquency date of the debt.
Repos are reported by the LENDER to the CRA.
It is up to the LENDER to report a repo. Usually they DO report it and it stays on your CR for 7 years.
you can not have true info removed legally from your credit report.
Do they? NOT usually. CAN they?? yes, if you convince them to. reporting a repo is reporting a fact. The repo DID happen. They report the payoff. That is a fact also.
as a repossession
It will remain on your CR for 7 yrs. Unless you can get the LENDER to remove it.
Until they find it. If it is charged off on your credit report then the creditor sold the note to a collection agency who will hire a repo-man to track down the car so they can recover it and sell it to make the money back that they paid to creditor for it.