This does raise a good point: your goal is not the same as the bank's goal. A terrible credit customer (pays credit cards in full every month, never gets a mort

This does raise a good point: your goal is not the same as the bank's goal. A terrible credit customer (pays credit cards in full every month, never gets a mortgage or car loan) may be the most financially responsible person they ever see. Keep that in mind when striving for a better score.