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If you’ve ever had a credit card or taken out a loan, you have a credit report. You should never pay to get your credit report. If a website asks you to pay off your credit report in exchange for personal information, it is likely a fraud. You can get your credit report up to …

Unless the information is incorrect, a repossession — whether redeemed or not — stays on your credit reports for up to seven years, according to Experian. In order to get a redeemed repossession of your credit reports, you must wait those seven years or identify an error in the data that you can dispute with …