My score jumped 62 points in 4 months after I stopped doing one thing
Back in March my score was stuck at 611 and I could not figure out why. I was paying everything on time, so I finally pulled my full report and saw a $47 charge from an old gym in Rochester that I never canceled. It had been sitting there as a collection for 2 years and I just never noticed it. I disputed it, it got removed in about 3 weeks, and my score went from 611 to 673 by July. Has anyone else had a small collection dragging them down more than it seems like it should?