Roquillo Tebar / Shutterstock.com
The internet is full of stories about how to massage your credit history and credit score to look your best to lenders. On this site and others, you’ve probably seen stories like “7 Ways to Boost Your Credit Score Fast” and “Fixing Your Credit? Do These 5 Things, Avoid These 3.” While these stories are helpful, you don’t need them if you’re seeking a perfect credit score. I founded Money Talks…