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Warrior38

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Credit score went down tremendously
My credit score went down after an item was removed

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Was the item which was removed a positive item on your report?   Did you have a single late payment on one of your accounts?  You did not indicate what amount is considered tremendously and what the removed item was.   You will want to review your credit report line by line, account by account.   Normally, what people encounter is that once they start working on their credit, they provide updated information to the bureau and to prior firms you owed.   This also occurs when you apply for credit, your current information as well as employemnt is reflected in your report, so that a firm who had previously been trying to locate you for collection now has the means to do so and as the account had been uncollected for so long they can provide the bureau with this additional negative item causing a drop in your score which would negate any positive outcome of the prior item being removed.   The goal should always be paying on time and negotiating at the first sime of trouble for help to avoid the negative impact.   Don't wait until disaster is at your front door to take action.

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