Since it was a lease I was required to carry insurance on it, and will be required to have it before I can get the car back. Am I going to have a hard time as a result of the repo?? I realize that I've totally screwed my credit for a long time. Does anyone know how many points a repo drops your FICO? Lastly, I was planning on buying out my lease in June (2004), and I guess now I'll have a hard time getting anyone to give me a loan. Please help---I'm about to take to the bridge! If anyone can provide any answers to these questions I would be truly grateful. Thanks!