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hey whats up youtube fam brandon over here once again so an individual docHubed out to me and they were saying hey ive got a voluntary surrender but it shows up on my credit report as a repossession so this individual gave back the vehicle was a voluntary surrender of the vehicle and perhaps they thought hey you know you know no homophobic either your vehicle back no problem and they look at their report and theyre like hey whats up it says repossession they didnt repossess it now when a voluntary surrender of a vehicle happens typically they consider that a voluntary repossession or a repossession as theyve classified it on the credit report but see this is the type of stuff that were talking about right individuals trying to do the best they can trying to do the right thing and giving the vehicle back and a situation that who knows maybe the dealer the lender you know ran up the the hard inquiries and got the the interest rate so high another upside