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zandro

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My points went down after I got one derogatory removed
I disputed one derogatory or collection and got it removed and then I decreased my credit card balances by 10% . Why did my credit score went down 52 points?

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Because of the dispute and changes

to your report.  Don't worry, It should rectify itself.  

Changes to your report trigger  "a drop in your score" because the system is designed to protect lenders from making bad loans and extending credit to dead beats. Unless you plan on opening new lines of credit real soon, it shouldn't have any long term impact. 

Good luck 

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