100 point score drop!! Please hep?

[Anonymous]

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@Poorboi wrote:

I'm new this all of this, my ex was working on clearing/cleaning up my credit. I read on here that if the loan was sold or given to a collection, that the original creditor couldn't report it? Shouldn't it go back into close status until someone contact me to resume payments?

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thats not true. if the OC sells the debt they can continue to report a closed with zero balance TL.  more then likely you woke a demon disputing accurate information

[Poorboi]

Yeah! I think I screwed up 

[Poorboi]

I just joined score watch today. Wish I had done this a couple months ago, before my score dropped over 100 points. The real reason for this happening was opening 3 secured cards at one time! I had no trade lines at all. My current score with Eq is 623.