My credit score jumped 80 points in 5 months after I fixed one report error

I was stuck in the low 600s for years and couldn't get a decent rate on anything. I finally pulled all three reports from AnnualCreditReport.com and found a collections account from a hospital in Tampa that wasn't even mine. Disputing it online with Experian got it removed in about 30 days. Has anyone else had a single error tank their score that much, and what was the process like for you?

3 comments

3 Comments

coleman.derek2mo ago

That's not how credit scores work.

-1

wadeyoung2mo ago

Oh man, credit scores are such a mystery to me. I mean, I just pay my card when I remember and hope for the best. My buddy swears closing an old card tanked his, but idk if that's even true. The whole system feels kinda made up sometimes.

thompson.xena1mo ago

Totally get that feeling of it being made up. The rules seem to change depending on who you ask. Just gotta keep paying on time and hope the math works out in your favor.