People Twitter

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Credit score is a poorly implemented modern invention. (discuss.online)

submitted 1 month ago by VetOfTheSeas@discuss.online to c/whitepeopletwitter@sh.itjust.works

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[–] chiliedogg@lemmy.world -1 points 1 month ago (1 children)

The biggest 1-day drop I ever had in my score was when I successfully challenged a derogatory mark from a debt collector regarding a card I'd paid off 14 years before they sent me to collections.

Apparently your credit score plummets when you prove you don't actually owe a debt.

[–] greatwhitebuffalo41@slrpnk.net 4 points 1 month ago

I've had something similar happen but it was because that debt was being sold to someone else. So I had 2 hits for the exact same debt and nothing to erase it. Then the next month both debts were gone and my score shot back up.