History - my car got repo'd early 2002 (DOFD 11/2001). They auctioned it off, I took a couple of years and paid off the remaining balance (I felt it was my responsibility) in 2005.
Today - two of the CRAs are reporting as currently Derogatory while the third is reporting as Closed/Paid.
Last week I faxed a letter to the credit union and requested that they update the CRAs. They called today and said that they are and will be mailing me a letter stating so.
They were really nice about it. I wish I had asked for more!
I'll let you know if changing from "Derogatory" to "Closed/Paid" changes my scores.
S
HappyDays wrote:If DOFD was 2001 it should drop from CR this year
Very true! It would be either November or anytime 6 months after that. But the sad truth is, I'm addicted. 
I want my scores up NOW. Hehe
I want my scores up NOW. HehePlus I've got a lender manually reviewing my Credit Reports for the mortgage I'm planning on getting in the next few months.