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there are legal remedies available to you. you have no legal remedies. credit bureaus are not required to change it. you can't really do much about it. don't worry much, because you will still get the credit. Question 9. Question : (TCO 3) Which one of the selections can be categorized as an advantage of credit? The use of credit can lead to court action and bankruptcy. The use of credit can lead to overspending. The use of credit can lead to anxiety. The use of credit ties up the use of future income. The use of credit allows for the purchase of goods even when funds are low. Question 10. Question : (TCO 3) Mary Jones has obtained a loan that must be paid over the next 12 months and she will use this money for a vacation. What type of credit is being used? Installment sales credit Incremental credit Single lump sum credit