How does the account report?
Does it say it was charged off?
Since it hasn't reported since 2016, you need to stop poking that bear & leave it be.
The repo is not going to be an issue.
What type of mortgage did you have on the foreclosure? Was it FHA, VA or USDA?
If so, there will likely be a CAIVRS hit which could affect when you're eligible for a new mortgage.
It was a voluntary repo that is listed as a charge off. Our first loan was an FHA loan.
Ok so since it's a charge off, you can either ignore it or you can try & settle it. The good news is it will not affect your ability to qualify for a new FHA mortgage. If the account is past the SOL in your state, I would leave it be.
The down side is you will not be eligible for a new FHA mortgage until you age out of CAIVRS which is 3 years from when HUD/FHA paid the claim. Generally a claim is paid within 6 months after the foreclosure.
You should get with a lender & have them pull a CAIVRS report on you so you can see when the claim was paid so you know when you'll be eligible.
If you have the ability to go VA then you only need to wait 2 years post foreclosure to be eligible.