Some SUPER DUPER FANTASTIC news....I think..

[Repo-ed]

So I went on my usual Amex app spree and 3x CLI request.

Well, I wasn't denied my apps, but I was denied my CLI - no problem, I found out that I have a Experian FICO of 717!

More importantly, I was going to be allowed a copy of my most recent Ex CR due to the denial - for free!! w00t

Well, it came in the mail yesterday and I decided to look it over - and I'm glad I did!  My only derog NOW, since finding this forum, and mangaing to have everything else succefully removed via GW letters, is that my REPO (at least with Experian) is ONLY SCHEDULED TO REPORT THROUGH SEPTEMBER OF 2014!!!!!!!!

That means THIS YEAR!  MY only and last derog, (with a FICO of 717) a HUGE  score suck, is scheduled to fall off by Q3 - I always THOUGHT that should happen, but all my reports kept saying that the DOFD was May of 2008 and not Sept of 2007.

SO - that being said.  I have also recieved unfavorable decisions in January from EQ & TU, so I'll be requesting my newest copies of my CRs from them as well.

THEY should also be showing/reporting the same age, right?

What are my options, if they do not?  What if they each show an age off ( 7 years from DOFD) to be May 2015, instead of Sept 2014?

EX reports the actual rep occuring in March of 2008, if that gives any additional insight.

[Repo-ed]

Update:

Was able to get my TU report viewable online.  Experian made me mail in my AA form from Amex, and EQ is making me mail them a copy of my DL and SSN before they send me my free report.

My TU report shows that my repo will contine to report through 12/2014

For those scoring from home:

EX - reporting repo through 09/14

TU - reporting repo through 12/14

EQ - unknown currently

Should the months reflect the same across all 3, or is this "normal/acceptable"?

Let's play a game, to keep this fun - what do you think my scores will jump to, once the repo falls off (with all other things remaining the same)?

[Hcontreras]

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@Repo-ed wrote:

Update:

Was able to get my TU report viewable online.  Experian made me mail in my AA form from Amex, and EQ is making me mail them a copy of my DL and SSN before they send me my free report.

My TU report shows that my repo will contine to report through 12/2014

For those scoring from home:

EX - reporting repo through 09/14

TU - reporting repo through 12/14

EQ - unknown currently

Should the months reflect the same across all 3, or is this "normal/acceptable"?

Let's play a game, to keep this fun - what do you think my scores will jump to, once the repo falls off (with all other things remaining the same)?

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718. Is it like Price is Right? Where the one(s) that go over are disqualified??? Lol

[Repo-ed]

haha -if my score only goes up 7 points after a REPO falls off, I'll be mad as heck lol

[Shogun]

I think it may be from that +180 days thing that's causing the difference in them.  Oh well, by the end of the year, squeaky clean!