I think you may be misunderstanding the explaination. Do you mind putting what your scores (FICO) are?! If it says your Credit Risk is green or in the Excellent section then it doesn't mean you are a high risk it means you are an excellent user of your credit so you will have better odds in your favor. Having a high score is something to be proud of and not embarrased or feeling unjustified by. 
You wouldn't ever want to lower it on purpose of course you can always do things that will lower it on your own like opening a card, account etc but you don't want to do Harmful things to lower it. That will hurt you later when you may need it. 
@Girlzilla88 wrote:I think you may be misunderstanding the explaination. Do you mind putting what your scores (FICO) are?! If it says your Credit Risk is green or in the Excellent section then it doesn't mean you are a high risk it means you are an excellent user of your credit so you will have better odds in your favor. Having a high score is something to be proud of and not embarrased or feeling unjustified by.
I think there is something to be said for having the self-regulation to know oneself better than some algorithm does. Higher scores invite solicitations and offers that are not always sought out or welcome, but they want my money to be beholden to them so they continue to try. I intentionally under-report income on my applications to prevent banks from trying to offer me more than I want or can comfortably pay back on their terms; the idea of intentionally under-reporting a credit score to tell creditors to back off isn't a bad idea, though unfortunately for the OP isn't something I'm aware that you can do.
Having a high score isn't an achievement or accomplishment worthy of pride. A lot of people today already have far too much pride in meaningless things without another unnecessary ego-inflating log on that fire. Having a high FiCO score basically means you didn't screw up, not that you did something extraordinary. I am reminded of a quote from an older Simpsons episode comparing Japanese and American game shows, with the Japanese host stating "Your shows reward knowledge. We punish ignorance." In this context, winning the FiCO game merely means you weren't ignorant.
@iced wrote:Having a high score isn't an achievement or accomplishment worthy of pride. A lot of people today already have far too much pride in meaningless things without another unnecessary ego-inflating log on that fire. Having a high FiCO score basically means you didn't screw up, not that you did something extraordinary. I am reminded of a quote from an older Simpsons episode comparing Japanese and American game shows, with the Japanese host stating "Your shows reward knowledge. We punish ignorance." In this context, winning the FiCO game merely means you weren't ignorant.
Hah, not quite tongue in cheek but it takes something more than ordinary for me not to screw up.
That said I don't care much about the score to be fair, when I took that 30D on EX/EQ and 60D on TU, I just shrugged. Scores were still good enough for everything I cared about, wasn't the end of the world... and when the account just up and wandered away from both EX and EQ (at different times, no idea why wasn't anything I did) it was likewise met with a similar gesture. Other than trying to determine my goal score here on the forum for my annual pull with anything better than a Oujia board, it really hasn't made any difference.
@iced wrote:
@Girlzilla88 wrote:I think you may be misunderstanding the explaination. Do you mind putting what your scores (FICO) are?! If it says your Credit Risk is green or in the Excellent section then it doesn't mean you are a high risk it means you are an excellent user of your credit so you will have better odds in your favor. Having a high score is something to be proud of and not embarrased or feeling unjustified by.
I think there is something to be said for having the self-regulation to know oneself better than some algorithm does. Higher scores invite solicitations and offers that are not always sought out or welcome, but they want my money to be beholden to them so they continue to try. I intentionally under-report income on my applications to prevent banks from trying to offer me more than I want or can comfortably pay back on their terms; the idea of intentionally under-reporting a credit score to tell creditors to back off isn't a bad idea, though unfortunately for the OP isn't something I'm aware that you can do.
Having a high score isn't an achievement or accomplishment worthy of pride. A lot of people today already have far too much pride in meaningless things without another unnecessary ego-inflating log on that fire. Having a high FiCO score basically means you didn't screw up, not that you did something extraordinary. I am reminded of a quote from an older Simpsons episode comparing Japanese and American game shows, with the Japanese host stating "Your shows reward knowledge. We punish ignorance." In this context, winning the FiCO game merely means you weren't ignorant.
While I agree that some people have far too much pride for petty things that don't matter, I disagree that having a high/good credit score isn't worthy of feeling accomplished. As I'm sure you know, building up your credit score takes years of patience, good finances, good decisions, and overall good management. One screw up and it all comes crashing down. So in my opinion, being able to be consistent, patient, and diligent in monitoring your credit health is something that I believe deserves a pat on the back. Not many people ever achieve scores over 700. Most people get stuck in the 600-700 range.
OP, I'm not sure I understand why you would want a lower score. Of course you could easily lower it by missing a payment or letting an account charge off or take multiple HPs, but otherwise I know of no other way to lower it. Having a high score is a good thing, as I explained above, in my opinion it speaks highly of one's self-control.
@OmarGB9 wrote:Not many people ever achieve scores over 700. Most people get stuck in the 600-700 range.
I was surprised by this recent report from the Consumer Financial Protection Bureau.
(August 2019: https://files.consumerfinance.gov/f/documents/cfpb_consumer-credit-card-market-report_2019.pdf , Page 21)
@Anonymous wrote:
@OmarGB9 wrote:Not many people ever achieve scores over 700. Most people get stuck in the 600-700 range.
I was surprised by this recent report from the Consumer Financial Protection Bureau.
(August 2019: https://files.consumerfinance.gov/f/documents/cfpb_consumer-credit-card-market-report_2019.pdf , Page 21)
I've seen that floating around, and that IS surprising, however, I feel that because it lumps the whole country into one pot, it's not a very accurate picture. I feel that that 720+ percentage is made up largely of the more affluent parts of the country, such as the west and east coasts and up north. 
I'd be really curious to see a breakdown by regions/states.