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Hi All. This forum has been extremely helpful over the last six months and has helped me clean up my credit. I do need some advice on handling my Wells repo.. I have read Why Chat's repo program and I want to make sure that's the route I should take in my situation. I'll try to keep it short. Bought and Repo in Washington State, now live in Illinois Deficiency bal reported on reports: 6700 Original loan around 10500 before junk fees and ext warranty Had it for 16 months before repo, $279 mo/payments Still reporting CO monthly on all 3 reports by Wells Never reported on my report by a CA I have no public records and can't find any judgements in court records Repo Oct 2009 (Carfax states lien placed 10/13/09) It was sold at auction 4 years ago yesterday 11/2/09 per Carfax Don't recall ever getting any paperwork after repo I have opted out about a week ago and have removed all addresses except for Exp of course (but still trying) I have never contacted Wells and never disputed it with them or CRA The car was a total lemon when I bought it, but it's too late now. Took $7k in work to get it running (new engine and tranny). Learned the hard way why they wouldn't let me buy it without the ext. dealer warranty. Should I follow Why Chat's method in my case? If not, or if I do and it doesn't work, should I offer a PFD? Maybe starting at $1000? I'll be in college for another 3 years so maybe playing that angle will help get a PFD playing the poor college student... June '13 fako score 530's - Now 654 for all 3. I imagine this repo is keeping me in this range. No longer have any collections. Did have 7. I have about 4 zero balance CO that are about 4 years old but I'll work on those after the repo. Thanks for the help and I will gladly post updates!!