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Should you LEGALLY CHEAT your credit score?

#1. Is your credit score is under 700?

 

#2. Do you have collections on your credit report?

 

#3. Is your credit utilization is over 25%?

 

#4. Do you have more than 6 credit inquiries?

 

#5. Do you have at least 3 open, positive revolving accounts on your credit report?

 

If you answered “yes” to any of these questions, then YES there is a way you can modify the credit scoring algorithm to your advantage.

 

 

Why do this?

 

#1. To get more approvals (apartment/home/car/credit cards/whatever you like)

 

#2. To save money on interest rates (which means lower monthly payments)

 

#3. To get higher credit limits

 

#4. To lower auto and homeowners insurance rates

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