Financed a car with USAA that got repo'd in 2017, I borrowed about $2300 from a friend to redeem the car, paid my friend back soon after. Was unable to get a stable job until 2021.
Fast forward to today, I haven't received a single call or letter asking about remaining charged-off balance of the car, nor has the car been taken again. Credit report says the charge-off should fall off early 2024.
Over the past year, I was able to get a stable $100k job and have recovered my FICO score from the 400s to mid/high 600s paying off other debt. (660-680 across 3 CBs)
I need to get rid of this car, improve my credit and get something reliable for the winter - what are my options?
Submitted November 22, 2022 at 05:25PM by Obvious-Yard-2146 https://ift.tt/UYqgEb1
