How far back does a car loan show?

[Anonymous]

I got repo'd back in 1976, and bailed on a lemon in the middle '90's. Simply put, are auto loans ALWAYS there for lenders to see or find?

[Jeff532003]

No. Negative information stays on your reports for 7 years plus 180 days. Positive trade lines will report for 10 years from the date the loan was closed/paid. You will be more than fine to apply and not worry about either of those past instances.

[Anonymous]

TY Jeff, that's a relief!

[taxi818]

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@Anonymous wrote:

I got repo'd back in 1976, and bailed on a lemon in the middle '90's. Simply put, are auto loans ALWAYS there for lenders to see or find?

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Same with me. I blew a car off in 2004. but i know its not on my credit report. That was the last time I financed a car.

[MarineVietVet]

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@Jeff532003 wrote:
No. Negative information stays on your reports for 7 years plus 180 days. Positive trade lines will report for 10 years from the date the loan was closed/paid. You will be more than fine to apply and not worry about either of those past instances.

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Not exactly. It depends on what type of negative it is.

For example late payments can report no longer than seven years from date of occurrence.

Collections and charge offs can report no longer than 7.5 years from the DoFD (Date of First Delinquency) on the OC (Original Creditor) account that led to the collection or CO.

Chapter 7 bankruptcies will report for 10 years.

There is no one set time frame for negatives to stop reporting.