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How long before a repossession of a car comes off credit report?how long does auto repossession stay on credit report. I had gotten this car to help my sister out and she failed to keep up with payments now they have repossed the vehicle. I purchased two vehicles at the same time and couldnt afford both and both under my name. Is she responsible for any? Can I ask her to make payments How will this affect me if I want to buy a house or even have cosmetic surgey?. Is it fair to ask her to start paying for it she will be getting a divorce and has money from husbands pension. What to do?