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    How long does a car repo stay on your credit report?

    I was wondering how long a car repo will show on you credit report if it remains unpaid. Do things (credit cards that have been sent to collections, car repo's) that remain unpaid ever fall off or do they remain on your report till they are paid in full?
    4 months ago 5 Answers

    Best Answer

    Chosen by Asker
    It should fall off after 7 years. Depending on how it was reported and when they reported it past due. For sure after 10 years
    a few seconds ago

    Other Answers

    • The absolutely free reverse vin check sites generally provide fake information. To get real information, money will have to be paid. The free searches provide fake information so they can get your email address to send spam. Stay away from shady reverse vin check sites, most likely you won't get any information after you make the payment. Not to mention you won't get a report and you won't get an answer if you try to call for a refund. Stick with a reputable reverse vin check site like http://www.reversevincheck.net that has been around since 1995.

      by CIAFARDONI - 8 hours ago

    • Repos stay for 10 years, after it falls off your points should go up about 2 months later.

      by Debbie - 8 hours ago

    • Any adverse things on your credit, such as collections & repo's by law can stay on for as many as 10 years. 7 years is the average for things like backruptcy, collections and charge offs. However, once these things do drop off the damage goes with. As these old debts go away, up goes your credit score. One thing to keep in mind, you can always dispute an unjust collection on your credit, this will enable viewers of your report to see your side of this also. Best bet, pay them off if you owe them, this shows future creditors that even with past financial trouble you're honest and follow through. Hope it helped!

      by Green eyed girl - 8 hours ago

    • Derogatory credit stays on your report for 7-years. After it falls off, your score should go up. This does' not mean that the creditors can not collect, it simply means that it no longer shows on your credit report. There is what's called a statute of limitations in every State. After that time passes the creditors can still try and collect, but there is nothing they can do to you legally. Here is a link so you can look up your State. http://www.bcsalliance.com/index.html

      by SPIFIMAN1 - 8 hours ago

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