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mcgruff70

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sick of inconsistant credit scoring , how do I make them do it properly
I just had literally a dozen wrong items on 2 of 3 credit reports removed , and nothing new added on .... and yet , they down graded my reports 60 points .
How is this legal / when the stuff is all medical and my entire blace went from 9000 dollars in collections and numeous accounts ..to only 3 and just over 1000 total in collections ...

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Not sure what scoring system you are going by (FICO scores are the only ones to really worry about) but it sounds like what happened is that you've developed a thin file due to so much information being removed (even if it was negative). Getting one or two credit cards even if they have to be secured, would be a good step in the right direction to get your scores growing. Just be sure to use them they correct way to benefit your scores the most, there is a ton of info across the net on using credit cards in the best way to benefit your scores.

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