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  1. Hi everyone! This is my first time posting, but I've used this site to get my credit score up from a 503 in the beginning of 2015 to a 633 today! Pretty awesome. The last thing that need to get handled on my credit report is a car that was repossessed in 2013. However, the interesting thing is that on my credit report it isn't showing as a repo, it's just showing as a delinquent loan. It's about $10,000 with Regional Acceptance. I know I'm going to have to pay them, however I'm worried that if I contact the company it will be reported as a repo and I would prefer to avoid that if it's possible. So I'm really not sure how to approach this situation. Any advice would be greatly appreciated!
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