# Behind on lease advice, car repossessed **URL:** \ **Category:** Ask the Hackrs\ **Tags:** ny, me\ **Created:** [September 11, 2023, 6:40pm UTC](https://forum.leasehackr.com/t/behind-on-lease-advice-car-repossessed/495354 "2023-09-11T18:40:35Z")\ **Posts on this page:** 1\ **Showing post:** 20
**Author:** ![jeisensc](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jeisensc/32/224821_2.png) [@jeisensc](https://forum.leasehackr.com/u/jeisensc)\ **Post date:** [September 11, 2023, 10:46pm UTC](https://forum.leasehackr.com/t/behind-on-lease-advice-car-repossessed/495354/20 "2023-09-11T22:46:39Z")
> [@TiffanyT3](#): > > BMW is 2021 white x228i. I don’t have much knowledge on what to do with this situation. I’m stressed because my lease was up in March and don’t want my credit being messed up. So not sure if I pay 3,082 which is mostly fees they’re charging me for being 60 days late or mess my credit up and leave the involuntary repossession. Welcome! Take some time to read through what was shared here, and feel free to ask any questions. Now that we know what the car is, I’d suggest: > [@jeisensc](#): > > check: current payoff from BMW, and what a third party would buy it for: > [@List of places to sell or value your car online](https://forum.leasehackr.com/t/list-of-places-to-sell-or-value-your-car-online/396451): > > For the quickest results: Copy your VIN to your clipboard and just paste it into each site. Quicker than plate lookup. Enter “I own the vehicle” where applicable — you don’t need to get into the details of your lease payoff or loan balance until you’ve eventually chosen one entity to sell to. Use a Google Voice or some other device you can turn off at will. Otherwise your real phone will be bombarded initially. In alphabetical order: Buyer Name Direct Link Review Link AutoCo… You can plug-in the VIN, mileage, and condition. With less than an hour of effort, you should be able to get a half-dozen actual estimates to see what this car is worth. > [@TiffanyT3](#): > > So not sure if I pay 3,082 which is mostly fees they’re charging me for being 60 days late or mess my credit up and leave the involuntary repossession. There already is (and will be) a ding a your credit report, but you’re asking the right question: do I spend the money to recover this, or eject and deal with the replacement 6 months early. To my point above, having an idea what the replacement would be (consider buying, not leasing, something Asian with a warranty until the loan is paid-off), and what the impact will be. On the impact, this is a very useful thread: > [@The Credit Thread](https://forum.leasehackr.com/t/the-credit-thread/185605): > > Every month there is at least a handful of posts here that include erroneous perceptions, opinions or information about credit. This thread is intended to address questions and facilitate discussion about credit reporting, credit scoring, and any other general credit-related matters. All credit questions, and all informed opinions and answers, are welcome. To get the thread started, here are a couple of items that come up on LH from time to time. How does my income impact my credit score? I… You will want to spend some time reading through, but while you are doing there you should pull your 3 credit bureaus to see what is actually on which, and get your current FICO scores. You are eligible for a free credit report every year, and often your Bank or Credit Card might give you your current FICO (not Credit Karma) score for free - 2 of my credit cards offer it right inside their app. If not, you can pay for a FICO subscription and get it - I’d recommend paying $30 for the Advanced and cancelling after 1 month: > **[Know Your FICO Scores and Credit Reports | myFICO](https://www.myfico.com)** > > Get FICO Scores used by 90% of top lenders. Access credit scores, reports, monitoring, and identity theft protection in one place for confident applications Also check out the tips here: > [@Places to get free FICO Scores](https://forum.leasehackr.com/t/places-to-get-free-fico-scores/476007/2): > > Not sure if many people know this but Experian offers a $0 free trial for their premium membership that gives a monthly refresh on all 3 bureau official FICO scores and even specialty scores like Auto Score 8. So what i do is sign up, refresh the scores and cancel trial. Trial lasts 2 weeks so after it expires you can do it all over again. Ive been doing it for years and never had to pay a penny on credit reports. Did BMW give you any kind of deadline by which to respond to them, before they close the repossession and send your car to auction? How long do you have to make a decision? --- _[View the full topic](https://forum.leasehackr.com/t/behind-on-lease-advice-car-repossessed/495354)._