Not sure if how much external consumer data the credit rating agencies use, but I can't help but think of the possibility of repercussions to your credit. I've

Not sure if how much external consumer data the credit rating agencies use, but I can't help but think of the possibility of repercussions to your credit. I've been in a years-long dispute with Transunion over my credit due to incorrect data they have on my financial history, all because my SSN became tied to another person in their records. No malicious intent was ever found, but it hasn't stopped them from wrecking my credit. Fake data makes sense in some of these cases, but trying to pollute your records with the credit agencies seems like a really bad idea based on my experience dealing with them.