Thanks guys. Yeah I have a paid subscription with Experian that updates daily, even got my scores from MyFico to compare and they were both identical.
And no, I have never had a repo. And actually have a paid off auto on my report with no misses. Though I do have 2 30 day lates on my wife's car that happened late last year when I was out of work as well as her as she had just given birth.
And you're right experian only shows auto score 2 and 8. I guess 3 might just be a killer. Though I suspect more-so that it was from the beginning of the month before everything finally updated and shot my credit back up.
