I have a question. I have been working on me and my DH credit since last year, and I seem to be making some progress. We are in the process of getting a home loan, so of course you can't buy anything dealing with credit. So I've been paying some old CA off. Well, I checked my score the other day, and it felled by 6 points because the one of the CA reported it on my CR as a settled debt. Why did my score drop? Please help me! My current scores are TU 513, Exp 552 and Equ 584.