| I remember being mistaken for a gambler when an old | | | | Bureaus have a 30day period within which to act. |
| high-school girlfriend stumbled upon me and a friend | | | | Failure to conclude their investigation into the complaint |
| whom we play basketball together on Sundays. She | | | | automatically requires them to delete that same |
| had actually seen us writing out numbers on a notepad | | | | account - so you can see you have an edge by taking |
| and making some calculations. Apparently, my friend | | | | this step. Alternatively, you can repeat same process |
| and I were working out how to raise his credit score! | | | | -this time with the creditor that sent the information to |
| I love basketball but I don't put my money into betting | | | | the bureau, if the bureau tells you that the account is |
| on games. However, I can't deny that I've invested my | | | | correct. |
| money on the numbers on my credit profile in the past | | | | Make no mistake about disputing more than one |
| - and it paid off! This is what I advise people to do also | | | | account at a time on your letter, else you risk your |
| due to the huge benefits they stand to gain at the | | | | complaint being tagged frivolous. Once you succeed in |
| other end of the restoration of their file. Now, there are | | | | deleting negatives, your score starts taking an upswing. |
| a number of ways to increase your score. | | | | Another effective way to increase your score is to |
| One of them is to get your three files, find out the | | | | reduce your balances on lines of credit below 40% or |
| negatives and errors that need to come off, and take | | | | 20% of your total limit. Also, you can sign up with a |
| proper action to get them deleted. The legal way to do | | | | relative with good report on a card as an additional |
| this is through the dispute process. By writing a simple | | | | cardholder. |
| letter known as a dispute letter, notify the bureau that | | | | I advise you use a restoration kit when fixing your file |
| has the item you want to remove of this inconsistency. | | | | for score-increase. |