At one point I was unemployed and unable to pay my bills. Eventually once I got back to work I wanted to start rebuilding my credit by paying off upaid debts. I got a letter from Applied Bank to pay off my balance of 1,300.00 and they stated that it would be removed off my credit report as if it never existed. So I sent them three payments and and instead of removing it off my report they reported it as a debt settled. This dropped my credit score which I've been fixing by 42 points!