How long does it take for a repo to come off your credit report?

I had a car repoed in 2001. Since then I have purchased 2 homes (1 in Sept. 2002 and the other in Oct. 2006) and a car (Sept 2003). I own 1 credit card (Zales - $500.00 limit), I've used it once and paid the balance off a month later. I haven't been late on any of my bills since the repo. Nobody wants to... show more I had a car repoed in 2001. Since then I have purchased 2 homes (1 in Sept. 2002 and the other in Oct. 2006) and a car (Sept 2003). I own 1 credit card (Zales - $500.00 limit), I've used it once and paid the balance off a month later. I haven't been late on any of my bills since the repo. Nobody wants to give me a credit card - with a reasonable rate. How long is it going to take me to be able to get a credit card?
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