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i think i am going backward. i have paid off all my collections and even paid off my credit card (0f which i only have one) on my credit report. I have disputed the ones that need to be removed because they are paid and made sure all info on my report are up to date. I got a recent alert that my credit score had decreased by 8 points!! i have no idea what is going on. I havent opened any new accounts. please let me know what happened and how i can correct it. Has this happened to any one else?