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julibooley21

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how can I get my score back up
For over a year my credit score was 774 and I see I lost 7 points because JCPenney upgraded me to their MasterCard which I didn't ask for. What can I do to get these points back and to get my score even higher??

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Some of the creditors on my credit reports i never apply for.I don't know how it got on my credit.My credit is very low cause these reports.How can i remove it?

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