Thread: score gone DOWN with less debt?

I did a report in Mar. 2008. At the time, my score was 629.

On the 03/08 report there were:
4 accounts in collections
6 active credit accounts (5 cards, one loan)
3 closed credit accounts (with no balance)
2 inquiries


I did one today, the score had dropped to 541!!
And on the report now is:
2 accounts in collections
4 active credit accounts (3 cards, one loan)
3 closed credit accounts (with no balance)
1 inquiry (from 04/2008)


Also, the total amount of debt went down.

So why the heck is this score worse???

I swear the score is so bogus.....

Also, it has a credit account listed as closed, but it is in fact active. What do I need to do to have this corrected?

Thanks.