<prompt> Human: I met this lady and had a casual conversation about what she did for a living. Turns out after retiring as a teacher, she learnt how to fix credit scores. As we talked she told me that she has made a lot of customers look rich on paper by following a simple trick - if you get paid this friday and you get say 500 bi weekly, draw that money out and wait a few business days for the transaction to post. Once that withdrawl posts, you deposit the same amount back in to the account. When applying for a loan, the bank will ask for your statements which would then reflect your deposits twice making you look like you make twice as much. Can someone please confirm if this is true or not? I just looked at my statement and it shows deposits and ATM transactions done in a month.  <response>: You arent supposed to lie on a credit application. Thats fraud. 