ok so ive been paying it on time, i never rode it, still as the miles on it wen i bought it, only had it three months, i just want to give it back, will lender post it as a repo on my credit report?
100 points minimum
But if you are not paying your bills (or it would not be a repo) you are pretty much screwed credit wise. Your score has already dropped 150+ points and will continue to fall with every missed payment
A lot. Any repo does.
A lot. Any repo or collections is a big red flag to a creditor, existing or new, that you aren't paying your debts.
Major HIT — 200 plus point reduction