Repossession
What happens when a vehicle is repossessed and how it affects your credit.
Jun 3, 2026· 3 min read
How Long Does a Repossession Stay on Your Credit Report?
A vehicle repossession stays on your credit report for 7 years from the original delinquency date — and the deficiency balance can hurt you separately.
Jun 3, 2026· 2 min read
Voluntary vs Involuntary Repossession: What's the Difference?
A voluntary surrender and an involuntary repo damage your credit almost identically — but the differences in process, deficiency balance, and lender relationship still matter.