You cant.

... ICO says consumers in my score range of 750-799 have a delinquency rate of 2 percent. But FICO scores below 500 have an 83 percent default rate, 500-529 shows a 72 percent delinquency rate, in the 550-599 range there is a 52 percent probability of delinquency, 600-649 scores show a 31 percent delinquency rate, and 650-699 have a 15 percent delinquency rate. Over 700 the delinquency rate drops to 5 percent up to 749. If your FICO score is 800 or over, you have a 1 percent delinquency likelihood ... from http://vfconsulting.blogspot.com/2005/07/abcs-of-credit-reports.html

No, actually women/girls are committing more crimes than men/boys. This is a growing statistic and in recent years has become worse.

Some cards with a low APR for on-time payments apply a very high APR if you are late a certain number of times in any specified time period. These rates sometimes exceed 20 percent. Information about a delinquency credit card rate should be disclosed to you in applications or in solicitations that do not require an application.

Please pardon my delinquency,

I was too late to answer.