James L. Paris is the author of the Amazon best-seller Credit Scoring Secrets, How To Raise Your Credit Score 100 Points In 100 Days. The so called 609 letter is not a magic bullet. In fact, it may actually lower your credit score. The key to raising your credit score quickly is focusing on your present open accounts and not worrying about older accounts that are no longer reporting. Disputing old negative accounts is likely to lower your score.