- 1). Log on to the Annual Credit Report website to check your Transunion, Experian and Equifax credit report for any repos. Under the Fair Credit Reporting Act (FCRA), you are entitled to one free credit report a year. Look for any indications of repos on all three credit reports.
It's also important to note that you are also entitled to a free credit report directly from the source used by the lending institution who recently denied you credit.
If you are not eligible for a free credit report, you can also log onto Transunion, Experian and Equifax and order your credit report separately to determine if you have a repo. - 2). Check online at KnowX, a division of Lexis Nexis. And then select "judgments." Enter in your first and last name along with your state. You can also select the "multi-state" option if you aren't sure which a state a repo judgment might have been entered against you.
- 3). Select search to view a list of possible deficiency judgments for your repo (if applicable). A deficiency judgment is typically secured by a car loan company when they sell a repossessed car at a loss.
You will be required to set up a user name and password along with credit card information. At the time of this writing, a single search was $2.95. If a judgment record exists, you will be allowed to view it at an additional charge of $7.95. To view multiple records, you can do so for $19.95. - 4). Contact the creditor who provided you the loan for your car. The lender is required by law to tell you the action he took or plans to take as it relates to your car and any possible repossession.
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