I get benefits from my Equifax score and have made zero changes to my credit behavior, am aware of items on my credit report and am just as vulnerable to identi

I get benefits from my Equifax score and have made zero changes to my credit behavior, am aware of items on my credit report and am just as vulnerable to identity theft as all of you. Its an objective acceptance of reality. Typically I like to know which lenders check which score, so that I can strategically drop a hard inquiry on a particular reporting agency’s score, I use the multiple scores as a currency for maximum amounts of hard inquiries, as a hard inquiry temporarily lowers the score decreasing chances of approval or favorable lending terms. Once I hit two or three on Equifax, I will only apply with lenders that hit Transunion scores, etc. When the approvals go through my unutilized credit has increased so much that it has raised my scores more than the inquiries dropped them. When I actually go to apply for a mortgage I would be considered the most credit worthy borrower and save hundreds of thousands in interest payments. I really don’t care about this crusade.