Been on this board for a while and there are alot of insighful people here, so I thought I would go here first for this.
I was divorced a few years ago and my credit score got hammered around the 570 area. So I have been slowly increasing my credit score. Bought a car and made timley payments over the years which brought my credit score up to 620. Now it is at that level wanted to buy a new car. I came into some money and paid 80% of the note then my score went to 640. I made the finaly payment to zero balance and went to my credit report thinking it would rise again, only to notice it dropped 83 points??? The only two items on my report are old small collections which were on my report when making payments on the car. One is for $112 the other is $511, which I am still fighting on these. But if they were on my report while my credit was rising this could not be the case for such a large drop. I know I could write to the reporting agencies but that takes time and I am now Ubering around till I get this fixed, if I can.
Dont know if anyone has been through this, I sort of feel helpless. If so, any advice or direction is appreciated to expidite this problem will be greatly appreciated.
Thank you
Jim