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Can someone explain
why my credit went from 684 to 570 after paying off or settling $3000 in debt...I paid 1700 to Jcpenny who was about to sue me...then turned around and paid another $1500 on 5 various Medical bills from unexpected ER visits... now some have been taken away but the others just say closed settled for less than amount...i purposely asked over the phone before payment was made if they would have it removed from my credit and the answer was yes, we will note the account has been paid and it should take about 30 days i even got conf#'s but its still listed under collections and negative remarks but it says account closed.

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