Would a vehicle repossession still be on your credit report after 15 years?

According to the Fair Credit Reporting Act (FCRA), most negative items, including vehicle repossessions, can only remain on your credit report for up to seven years and a half from the date of the first missed payment that led to the repossession. Some exceptions exist, such as in cases of bankruptcy, but in general, a vehicle repossession should not appear on your credit report after 15 years.