ok what happend was i bought my vehicle in 2007 and it was under my name but a year later it got stolen.. i had full coverage insurance which was under my parents name and i wasnt on the insurance. so the car was covered if my parents were the ones driving it and i wouldnt be if i was driving it.. so now it got stolen and i was the last person to drive it.. insurance doesnt want to pay.. the police found the car and took it to the impound.. i didnt have money to take the car out and they said it was totaled and i couldnt afford the damages..i contacted the lien holder they couldnt do anything.. i couldnt pay for it there was nothing i could of done….so i disputed with the insurance company but they would not cover me.. and now my credit has a repo on it.. my car was sold at the auction by the lien holder.. so what can i do or can i even do anything to take the repo off and fix my credit.. before the repo i actually had very good well average credit .. thanks for reading i know its a lot but im trying to buy a house with my parents and my credits in the way.. .