- Gold Member
- Posts: 35
- Joined: Mon May 27, 2013 4:16 pm
- Location: Monterey, CA
ARS (not to be confused with the collection agency of the same name) is another bureau that operates outside the FCRA, but can nonetheless ruin your day.
As far as the morality of creditboards goes, around here we focus on how to maximize your score by modifying our own behavior. Creditboards is a little more focused on gaming the system. Whether or not it's immoral, it surely would not fly over on the FICO forums.
Ex- 705 AMEX pull (5/13), Tu: 753, Eq:685
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