I have recently been working on improving my credit and have hit a couple of snags. I recently paid off my car loan and for some reason the company decided to report my current status as "thirty days late" instead of paid. I am still working on having that fixed and it has really hurt my score (see other posts). I was also running into the same problem with a previous mortgage I had in which the home was shortsaled (they were reporting as currently 120 days late). I disputed it with the credit reporting agencies and filed a complaint with the BBB, and I checked my TU report today and the entire tradeline has been deleted. I would think that this would bring my score up - not down by 20 odd points as this tradeline reflected a lot of lates, failed to pay, etc. Any thoughts as to why this would happen? Is it because I no longer have a mortgage tradeline on my account? Any insight would be appreciated.
