@Anonymous wrote:
Ok so I had a car repo'd about 1999/2000 do you think this will still be on any reports like the auto enhanced fico score? The loan no longer appears on my credit report because it fell off at least 7yrs ago.I haven't had any installment loans in 13yrs not counting the auto loan which was charged off.
NO. It will not be on any of your reports. The repo fell off approx. 7 years from the date of first delinquency, and the initial account probably only remained on your reports for 10 years or so. If you can't see it, it's gone. On the negative side you won't get any score boost with the auto industry option scoring if that is what is used. You would most likely see a lower score than your classic Fico due to no current auto loan history.
