When does reposession actually hit credit report?

[jandrl2001]

We are filing either 1st of Nov or Dec. Letting house and honda pilot go as we are negative 31k between the two of them. I haven't made a payment on the pilot since July, today i am 60 days late. My question is will they hit my credit report with a repossesion before they actually have it in their posession or do they actually have to have it before they can report it? I am trying to get filed before it is reposessed. Just wondering. Thanks.

[Cali]

They have to have the vehicle in order to say it's a repo.

I was 30 days late before I retained a lawyer. I went 5 months w/out paying and it shows up as IIBK.

[NowImDownInIt]

Mine was repo'd and I got it back due to the automatic stay and it reports as "wage earner plan" or something like that. So I guess they have to have it, and keep it to report that.