My last neg

Repo-ed · ‎10-11-2013

Well, I think it is time to start sending in disputes on my last neg - the repo!

DOFD SHOULD reflect 09/2007, but the 3 CRA are showing between early-mid 2008.

SOL for Florida is 5 years, correcct?

If I go off the 2008 date, then I should be in the clear from lawsuits - but could this start-up collection treatment?'

Any guidance from those that have disputed repo's?

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

Shogun · ‎10-11-2013

Wonder what the difference from the DoFD is from? Do you have anything shoing it to be prior to their posting?

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Repo-ed · ‎10-15-2013

@Shogun wrote:
Wonder what the difference from the DoFD is from? Do you have anything shoing it to be prior to their posting?

Other than I never made a payment after I was fired my job, which is what lead me to no longer make payments on the car. I had an emergency fund that would keep me fead, housed, gassed, and car insured.

I'm not sure how else I could prove it.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

My last neg

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