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  1. I am new to this forum, and I did try searching but couldn't find an answer. Firstly, thank you. My credit has gone from high 400's to a 627, and will be boosted again once HSBC finally reports that the two cards I have with them are not over the limit, but below 35%. My questions: Does a creditor know if you lie about your income on a credit app? If they will not know, to what point will it raise your credit limit or lower your interest rate? I think that they have no idea if you're lying because when I was 18 I applied for a Citibank card with credit around a 715 and told them I made $150K and got a card with a $13,500 limit. Maybe I got lucky.
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