Product: Credit reporting

My credit score for most of the year has been in the high XXXX 's. Last score two weeks ago XXXX. My score matters to me. I regularly monitor my report thru monitoring service with TransUnion. I initially requested that they dispute XXXX XXXX XXXX XXXX items because I consigned for loans that had gotten behind but at that point, were up to date. The XXXX items I disputed were still being reported on my credit as 30 days late when that, in fact, was no longer the case. Erroneously, I thought that once the XXXX loans were reported as up to date, my score would then go up. Instead, it took a big hit ( XXXX point loss ). I tried disputing it with TransUnion but did not have any real luck. In addition, when they sent me a copy of my credit report, an old XXXX XXXX account ( closed by XXXX in XXXX but paid in full in XXXX ) was included ( along with XXXX ) under " Adverse Accounts. '' That account ( XXXX ) had not impacted my credit report since I have been able to get credit ( more than once ) since that account was paid. I do n't understand why it would be an " Adverse '' issue at this particular time. I feel that it was used along with XXXX to significantly bring down my credit score. I do not understand the scoring system. What I understand is that the lowest scores ( scores that equal an " XXXX '' ) should be reserved for people who repeatedly do not pay their bills or have no interest in doing so. I pay my bills. Most of the time diligently. That is not to say that since paperless billing I do n't occasionally miss paying something on time. I have read many stories online of people like my self that are over penalized because of a scoring system that is just not what it should be. There is no grey area here, you either have a good score or it 's in the toilet. I know that if the practices of these reporting agencies were to be truly monitored, problems with how they handle the business of people 's credit would surely stand out and would show how flawed they really are. But who cares? Only the people that are victimized by their policies and practices and we of course, are not truly heard. Quite possibly, it is worth considering that the scoring system currently in place is not a fair system at all. The Consumer Affairs website contains XXXX complaints about TransUnion. Think about that. There are probably many more but most will not go online and complain. In addition to no satisfaction, when you call them ( TransUnion ), all that you are ever provided with are generic answers that neither address nor answer your questions. I am at a complete loss for what to do. I do n't need them to send me another credit report. It wo n't change anything. There is, however, something awfully wrong with the fact that you can be totally ruined by a credit score and the people responsible for ruining you do n't even have to supply you with an intelligent answer for why. My problem, I just do n't understand how, when everything that they listed as being " Adverse '' and, was already on my report when my score was XXXX would cause my score to drop to that extent behind my asking that XXXX items be brought up to date and why an old XXXX account that has been paid for a couple of years would also play a role. I will submit any credit reports or information needed if necessary.