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To improve your credit score, it's essential to maintain positive information on your credit report while removing negative entries. This tutorial provides a letter template for contacting credit bureaus, emphasizing the importance of asking them to update your payment history to "paid as agreed, never late" (P-A-A-N-L) instead of requesting deletions. If the bureaus cannot validate any late payments, they must update the entire account to reflect on-time payments, significantly enhancing your credit profile. For access to the letter, viewers are encouraged to click the provided link.
