Credit Advice

pull a copy of your credit file from all 3 bureaus, and see for yourself...if there is a repo on your credit, thats the fastest way to find out what and who it is.  

Like Matman, I suggest pulling a copy of your credit report.  You can do this at annualcreditreport.com My recommendation, though, is to choose only one company at a time.  Why?  Well, you can only do this once per year, per company.  If you pull all three reports at once, it will be another year until you can look at your report again (without paying them money for the privilege.)  If you look at one at a time, then you can look at a different one in a few months on a rolling basis.

Chances are, if something were repossessed in your credit history, you would know about it.  So, it's very likely (since you don't know what it is) that this is a MISTAKE in your credit report.  It might even be a mistake that's only on one of the three companies' reports.  So, if you open one report and don't see a repossession, it's probably worth checking the others, one at a time, until you do see it.  (How did you find out about the repossession?  Through Credit Karma?  If your source told you which report they used, you can skip to the same one and save the guesswork.)

If you find a mistake in your credit report, make sure you dispute it.  I hope you don't have plans to take out a loan or mortgage in the next few months.  If you do, and it's not terribly time-sensitive, I suggest delaying it.  If you have to dispute something on your credit report, you CAN get it fixed -- but it may take a few months for your reports to reflect the change accurately.  If you apply for loans and such before it's fixed, you may not get the rates you deserve.  If, on the other hand, the repossession is something you're honestly responsible for, there's not much you can do about it.  Pay your bills on time from here on in, and it will eventually recover, but it could take years.