Please help me lower my credit score!

I never thought the day would come that I'd be looking for ways to lower my credit score. I've always been a responsible borrower, and because of that, I have a very high credit score. That's convenient when I want to finance a car or open a new credit card.

But thanks to the new subprime mortgage bailout, it's not so nice anymore. The government isn't giving money to anyone, but irresponsible borrowers are being "bailed out" of their home mortgage problems. I don't think it's fair.

Here's the solution: Be an irresponsible borrower with an Adjustable Rate Mortgage that is going to reset, and you get your rate frozen for another five years. Yahoo! That bargain rate that you got a few years ago will now continue for five more years, even though interest rates have gone up on the open market.