<prompt> Human: Looking for some advice. I got divorced 2 years ago my credit score took a dive. Ive been trying to get pre-approved for a home loan, and working with a financial officer, who deals with people in my situation. I have two kids in their early teens, a good job. In looking over my credit reports with the financial officer, they gave me several things to do that would IMPROVE my score. First, pay down my 2 credit card balances..been plugging away at those. 2nd, I did have some older medical bills that went to collections, and I paid them off early this month. I was told to call the credit agencies, and ask that those accounts be removed. I sent in all the paperwork that Equifax TransUnion requested. After about 2 weeks, the accounts were removed from my credit report. Yay! I thought. I just checked my score on Credit Karma, and my TransUnion score went DOWN by 22pts!!! What the F??? This is soo frustrating to me!! I dont get it! Any positive suggestions or advice welcome! Thanks!  <response>: Credit Karma scores arent what lenders use. Youd want to see what your FICO score is, through a source like discover.com. 