Can car be report stolen if I have made a payment?

Normally if you become delinquent for a period of 90 days, the creditor can repossess your car to recover the debt. Now, after repossession of your vehicle the creditor can auction your vehicle If after selling the car, the outstanding amount cannot be paid in full, you can either pay the balance by yourself or the creditor may report it to the credit bureaus as "charged off" which will stay in your credit report for seven years and lower your credit score.

If the creditor has already charged off your account, they can still repossess your car and sell it off to recover the debt. I cannot understand your question that why they will report your car as stolen? If you miss any payment towards your auto loan, then the repossession laws allows the creditor to sell off the car. The creditor can either charge it before repossession or after repossession. If the creditor charges off the debt before repossession, then even after auction if your debt is paid in full, the negative information will stay in your credit report. However, the advantage of charge off after repossession is that, only if there is outstanding after auction, the creditors charges off the outstanding amount, but if there is no outstanding after auction and auction of the car pays your entire debt amount, then there is no charge off listing in your credit report.

KVA,..do you have your car financed through a local dealership/finance company, etc.? I'm just curious. I work with Citifinancial.....they have been pretty good with 'working with me'.