First off Id like to say I am not a lawyer and this is by no means legal advice. Beforeimplementing 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 its important to discuss why I wrote this report. Back in January 2006 is I was toclose 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, iras Names and phone numbers of people I know for references Why I was late on a few payments 5 years agoThe 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.