Would classes help?
People here get told all the time "Too many apps will drag down your score!" but they still keep at it.
Over time, people will get what this is really about. Hopefully we haven't re-bailed out a bunch of banks before the truth finally sets in.
I'm impressed, though. I thought they'd artificially stimulate more consumer debt by shortening the time CRAs can report negative information. 
Starting Score: 675