my brother in law has two past repo's in his credit history (both from at least 5 years ago) and he's wondering if he has any chance at all to get a house in the next few years. Do repos's stay on your creidt history forever or do they fall off? Also... when you have bad debt/charge offs on your credit report and you decide to come clean and pay them... does it help the credit report? I'm thinking it's better for him to just not pay them. .. but I don't know. Anyone have any experience in these cases?