<prompt> Human: I hope this would be the correct subreddit for advice, if not please advise me on the correct subreddit.Woke up this evening to go to work. My car was gone from my back yard and figured it was stolen. After countless calls . I figured out from a detective that my car is no longer in my name but with the leasing company. It is a four year lease with exact 1 year to go. I have had a verbal arrangement with my dad if I pay my student loans he will pay my car. The website says it hasnt been paid for 5 months. No mail, phone calls, or emails from Hyundai. I checked my credit 30 days ago and it was highest it has ever been at 725. Now it is at 610. Leasing company is not open because it is midnight. Last week I put in a two weeks notice to work because Im switching careers to commission that requires a license and good credit... will it be 7 years before my credit goes up?  <response>: Yup, you are going to have a repo on your credit report. 