<prompt> Human: Whats up rpersonalfinance!Im in a bit of a dilemma here. Just to give a bit of background, my dad is not financially savvy and does not make much. He does not do these things out of ill will, but I feel negligence or lack of planning.He approached me 3 years ago when I was 21 to help him and my mom with financing a car by putting myself on the lien since my credit was in decent shape and theirs was not.We live paycheck to paycheck and I was very hesitant at first but I wanted to help my mom finally have a car she wanted and help her with the bills.I thought at the time there is no way anything can go wrong, and if anything does I can help with their payments at least a little.Things went wrong.My dad did not pay the bill after 30 days and they towed it from the house in the middle of the night.He was too stubborn to ask for help and my credit tanked 150 points and I have a repossession on my record.To cut the story short, I tried to apply for an Amazon Visa Card and was denied. I received the letter today and the reason was the repossession.Im a long time lurker here and figured I would ask for some help.Is there any way I can get this repossession off of my credit report? I always make my payments on time and the only stain on my credit is this repo.Any help would be greatly appreciated and thank you so much for your time!  <response>: Unfortunately no. If you put your name on the loan, you are responsible for it since it is your loan. You defaulted on a loan, which is not so good as you mentioned. It should eventually go away, usually about 7 years. 