153 million Americans have credit scores below 720, but with a few small tweaks they can boost their scores and increase the odds of getting approved when they need credit. And most don't realize they're falling for three dangerous lies told by big credit companies. Lies that keep your scores low while they profit from your struggles. "Pay your bills on time and your scores will go up" - that's LIE #1. Thousands of people pay religiously but still get stuck in the 500s and 600s. The truth? There