hill.barbara•1d agoMost Upvoted

Watched my credit score jump 40 points in 3 months just from paying off one stupid collection

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My buddy Dave had a $200 medical bill hit his credit report back in 2019, and it dropped him 60 points overnight. He paid it off and it took almost 5 months before his score even budged because the agency was slow updating. The whole system just feels random sometimes, like they make up the rules as they go.