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NEED ADVICE...
I HAVE 2 GMAC LOANS ON MY CREDIT REPORT THAT HAVE BEEN REPOSSED, OPENED IN 10/2006 AND CHARGED OFF IN 08/2010
Do you mean the statute of limitations for your state? That is entirely different from the reporting period for the repossessions. The reporting period is 7 years and 180 days from the DOFD.
Have you checked to see if there is a judgment against you for the deficiency amounts on the repossessions?
yes that statue.... im in NJ and i did check no judgements