You'd probably want to get that fixed. While we can no longer get our EX FICO score from anywhere, the layout for EX report vs the others were the same. FICO looks at the worst delinquency, status, and even reads the comments. If the comments say "repo", then you'd need to talk to the creditor. Before doing so, make sure you have already pulled the report as provided directly by EX. You can get it for free once a year for free via annualcreditreport.com or if you have an EX product like freecreditreport.com or creditchecktotal, then you can get it for free by clicking "dispute". Don't dispute, but they'll give you a free copy. FICO looks at this org. copy when calculating a score.
