@Anonymous wrote:
Well today sucked payed off two collection accounts a month ago both over thousand bucks my reward is FICA score went Dow 21 points now back to 599 have 40k available credit 12 percent used all student loans good and current just pissed the pay off collections and score is crushed does not seem right advice? Thanks for help
your old account's last date of activity got refreshed to current date making it look like a newer debt. There are ways to help your score but try creditboards.com they got my scores up from 400's in a year 
