"According to the American Bankers Association, which represents most large U.S. banks and credit card companies, the percentage of consumer loans at least 30 days late rose to a seasonally adjusted 3.22 percent in the October-to-December period from 2.9 percent in the prior quarter."
Now, come on! We can get that percentage up to at least 10%!
All you gotta do is stop paying.
Why let credit rating agencies have total control of your financial future? The consumer is the ultimate credit rating entity.