@DW2 New meta just dropped. Instead of getting a credit card and paying off your bill each month regularly, just pay the bare minimum until your credit score tanks. Then apply for a mortgage loan.

Yeah, I can't see how this could possibly go wrong.

Side note: a lot of mortgage companies/banks show how lazy they are when they only look at credit scores instead of having an underwriting process.

MAGIC NUMBER UP! THAT GOOD! MAGIC NUMBER DOWN! THAT BAD! (well maybe not anymore).