Which is wose on your credit, a repo or a bankruptcey

The answer is a bankruptcy.

To help you.
The definition of a repo:-
Repo, noun.(U.S. Finance, Informal.) an agreement to buy back securities, especially government bonds, after a given period; repurchase agreement.

Both a repossesion and a bankruptcy are bad news for your credit. Depending on what you are trying to do or get will determine to which degree. Lenders frown on both, but lenders will often start sending out the credit card apps trying to get that person that just filed bankruptcy to sign up.