Don't try to scam banks in the USA, you will regret it later. Jabo 40-50K(assuming) ko chakkar ma credit dubaune kaam nagarnu hola. Yaha 7 yrs ma credit report clear vayepani Bank vaneko uhi 5-6 major banks ko uniharu ko database ma ta vaihalcha ni past records. Aba jindagi varr credit related kei pani use nagarney vaye matrai ho. Self respect ko pani kura aaula.