“The Shocking True Story of
How I Raised My Credit Score
165 Points in 3 Months and
Saved $1,000’s In Interest”
By: Jason James
First off I’d like to say I am not a lawyer and this is by no means legal advice. Before implementing the
ideas in this report consult with a qualified attorney. This is simply my story on the tactics I used to
legally and ethically raise my credit score.
First off, I think it’s important to discuss why I wrote this report. Back in January 2006 is I was to close on
my very first house. What a nerve racking time it was for me, inspections, appraisals, mortgage
approvals, attorneys, it was a bit overwhelming.
The part that got me the most was my mortgage company really divulging deep into my life. They
wanted to know everything it seemed. Things like:
The exact address (with proof) of where I have lived the past 2 years
• Where I have worked the past 2 years and how I long I have been in that line of work
• How much money in my savings account, checking, stocks, ira’s
• Names and phone numbers of people I know for references
• Why I was late on a few payments 5 years ago
The list really goes on and on. What really got my was just 2 days before I was suppose to close my
mortgage broker called me and said my loan was about to fall through because the bank thought I lied
to them about my housing history.
Turned out I gave the name of my landlord (who I thought was the owner) to the mortgage company as
the owner of this house I was renting. The mortgage company checked, saw the landlord wasn’t the
owner, thought I was pulling a fast one, and demanded an explanation from me.
They thought I was trying to trick them by giving them my landlords’ name, because of course the
landlord verified how long I had lived there and housing history is important when getting a mortgage.
The house I lived in was in Virginia, and the actual owner of the house was in California. Turns out the
owner was in the military and his buddy was playing landlord back home till he got bac