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Its for an FHA loan and I meet all criteria but have a past repo about 8 years ago. Nothing is on my credit report just in court records. I due still owe a significant amount like 30k.
Its not on my credit. I have a 760 score with credit monitoring. The credit companies can only list public records for 7 years. Its gone. I have heard that title companies will find the judgement and stop the closing until paid in full. Looks like I will either have to pay it off or save up and buy a house in cash.