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I need help with disputing a car repossession


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Hello. I need advice or any suggestions any of you might have. My goal is to have this removed from my credit reports. Since it's a repossession I don't want to make things worst since they haven't gone after me in any way. I want to make sure I do this the right way. I will copy and paste how the repossession is showing on my credit report.

PS- Someone co-signed for me on this car and he went into bankruptcy. I am pretty sure he put this account under his bankruptcy. Not sure if that will affect how I should proceed.

Also, the car was repossessed in the state of Virginia.

Account Number: XXX Status: REPOSSESSION

Account Owner: Joint Account High Credit: $17,346

Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan.: Installment Credit Limit:

Term Duration: 61 Months Terms Frequency:

Date Opened: 07/2006 Balance: $7,493

Date Reported: 02/2012 Amount Past Due:

Date of Last Payment: 02/2009 Actual Payment Amount:

Scheduled Payment Amount: Date of Last Activity: N/A

Date Major Delinquency First Reported: 06/2009 Months Reviewed: 66

Creditor Classification: Activity Designator: N/A

Charge Off Amount: Deferred Payment Start Date:

Balloon Payment Amount: Balloon Payment Date:

Date Closed: Type of Loan: Auto

Date of First Delinquency: 01/2009

Comments: Involuntary repossession,Fixed rate

Edited by GuyinNVA
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