this is one of the marketing tactics we use.

There are strategies and tactics to credit "repair", and if you don't know them or how/when to do them you can make a big mistake.

As a last resort, nonpaying tenants tend to try this tactic.

I've resorted to this tactic and it's proven helpful.

When I was poking around on some company to help me establish business credit, there were a lot of calls promising everything from heaven (best one was 250k within 6 months without exposing any SSN only EIN), I pretended to be an easy sell, and for sure within 20 mins of the call, in comes the credit card info, simply told them I need more info on what I am paying for, played along and did my delaying tactics, (explanation, contract, money back guarantee, a visit to their office) then from the same referenced individual i think there were at least 3 different company names, Jeff from ABC / Jeff from XYZ / Jeff from LMN Corp.

I have learned of a tactic where you can take a loan out (not closing the account) against the 401k funds.

It wasn't until I learned the strategy all these guru companies pull on people like my wife and I about the three-tiers and boiler room tactics with raising credit limits did I begin to question the very program itself. 

This will help real estate investors and wannabee investors from being manipulated by the gurus:CONFESSIONS OF A SCAM ARTISTI see a lot of gurus employ the scammy tactics this ex-scam artist used to employ.Scammy gurus will stir you up...fueling those greed glands promising you that you will make millions with real estate while working 4 hours a week...they will get you to think of your family and they will make you EMOTIONAL about needing to spend more time with them.

Thus far, I've only heard about the tactic of using CDs or deferred fees as debt collateral from people who are quoting Segal, but without personal experience.

If you are not married, here is a good case for marriage if I ever made one, Christine: each of you can get ten conforming loans.Of course, marry wisely- the spouse should have enough income and good credit to qualify for a conforming loan, good looks and dishwashing skills aside.Also, since this would be a business tactic, let us know if the IRS would allow you to write off the wedding and the honeymoon as a business expense...