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Credit score is a poorly implemented modern invention.
(thelemmy.club)
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this post was submitted on 25 Jul 2026
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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.
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.