Dating requires capability to pay. That means, you have to hand out your credit cards to pay the bill. Most probably, you will take your date to a fancy restaurant. Mistresses love to be lavished and you don’t want to spoil your superman image in their eyes. What if your credit report landed on your wife’s hand and discovered a foul play? Knowing how to manipulate the credit record is an advantage to keep yourself married while you play around.
How do you edit your credit card report?
A cheating husband hides things from his wife. Now, you are dying to know how to edit your credit report before it lands in the hands of your wife. Here are the ways to do it:
1. After you used your card on a date, check your credit report immediately after you get home or in the office to avoid your wife’s prying eyes. Then, get your report from any credit reporting agencies.
2. Go to your credit card company and point the credit purchases you wanted to conceal. Just do not allow yourself to pay the bills longer after the due date. Credit companies allow you of off the book charges for a maximum of 6 months. Otherwise, your credit score will suffer.
3. Call the credit billing agency and ask them to delete the items from your credit report bills. You may write them a letter so it will be documented.
4. Mail your letter as certified mail.
5. If the credit reporting agencies do not permit you to edit your report, you have to bring a back up document to show them. You can easily get a back up document from the restaurant you dined by giving you receipts that have different purchases from what you actually did.
6. Pay as soon as you can. Or you will never get a second chance on off-the-book charges again.
How do you avoid using credit cards while dating your mistress?
Concealing your acts of cheating is tiring. You have to talk to several companies to achieve what you really want to show up to your credit report. Here are ways to avoid credit cards on a date:
Pay in cash. Now that you have a sexual interest other than your wife, you should always carry cash in your wallet. Cash does not involve getting a report towards the end of the month.
Borrow money from friends if you do not have cash on hand.
Go to places that do not require you to pay.
Go to fitness centers and have an exercise date with your mistress. Your wife will be happy to know that you are watching your weight without knowing its other purpose.
What is the most important thing to remember about editing credit card bills by credit companies?
Credit card companies mostly bluff on efficiency. They promise you that they will repair your bill. However, they will send you disputes about your payables and blot out the items from your report to you pinpointed the errors. This will cause a negative effect on your credit score. If you no longer will use your credit card, it will still reappear on your credit scoring after as long as 7 to 10 years. The negative impact is for a long term. You will be having a hard time to cover your lies to your wife. Is it worth the hassle?
What if you and your wife share a credit card? How does that effect from my dating scam?
If you will take your mistress or a cute officemate on a date, you might likewise use another credit card that is exclusive to you only. Otherwise, your wife can access your credit report, inevitably. Do not let her know about your financial activities like, going to the bank, making deposits or withdrawal. She may get her antennas working to catch you off guard.
Credit card report bills are among the top reasons for divorce. It is difficult to share the cards with your spouse or with your family members. The other may not pay on time as you do. Your score will suffer.
If you want to play around, try to hide your trash. The credit card is a good way you trace your activities. Your wife may use it as her tool for investigating on your extramarital affair.