[puffer]

Ok it all said and done i think? My first 30 day late hit me for 69 points,my 60 day hit me for 5 points and a RF (repossetion/foreclosure) hit me for 0 points.I just checked my credit this mourning and this was the outcome. I dont know if they can report any further than a "RF" on a credit report can they? If this is as far as they go then it will have taken about 74 credit points in the end.This is copy/paste from my credit report.

	07	07	07	07	07	07	07	07	07	08	08	08	08	08	08	08	08	08	08	08	08
			OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	OK	30	60	RF

WELLS FARGO HOME MORTGAGE

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$104,762.00

12/1/2008

BANK ADJUSTMENT / DEED IN LIEU / BANK LIQUIDATION