General Credit Topics

[baci56]

MY CREDIT SCORE HAS DROPPED OVER THE LAST 8 MONTHS-I HAVE NEVER HAD A LATE ON ANYTHING...iHAVE DILIGENTLY WRITTEN AND CALLED EVERYONE . NOW, AFTER 3 YEARS OF WORK,PLUS HAVING A WRONGLY CLAIMED MORTGAGE FORECLOSURE DROPPED OFF FROM BOFA,

THIS MONTH I HAVE 2 NEGATIVE COLLECTIONS REPORTED THAT WERE PAID AND DELT WITH 4

YEARS AGO!...HELP... I FEEL LIKE I AM BEING PUNISHED FOR TRYING TO RAISE MY CREDIT REPORT SCORE.........aaaaaCH! WHAT CAN I DO? MY CREDIT CARDS (2) ARE PAID OFF MONTHLY AND THEY HAVE EVEN LOWERED MY INTEREST RATE ON  THE CAPITAL ONE BY ALMOST 20 POINTS

[llecs]

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

and What Steps Do I Take - great for learning the repair process.