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Some companies have the ability to directly communicate with the credit rating company and can effect changes. However, like you, I would be leery. Only you know the financial situation you are in, but if your credit rating is low, it indicates late pay, judgements and other issues that you should take care of, not get in deeper. If you have cleared all of the issues and it is less than two years since doing so, your effective rating may be higher. Just remember, you will be paying for whatever he is selling you, so make sure it is within your means and that you have a solid job. Maybe a used car, a house payment less than 1/2 of your pay would make sense at this time so that you can build your credit.

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Q: What happens if a finance officer changes your credit score to get you to qualify for something you wouldn't quality for?
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