NOTE: You can NOT get banned for this! Please stop asking. I have had done this three days before the game officially released and am still doing it now. Tutorial and download for the program is down below.
1) Download the “ForzaHorizon CR Tool” from the link below the tutorial.
2) Open the “Horizon CR Mod” program after you download the file above.
3) Next, open your Forza Horizon save.
4) Pretty much it! Change the amount of CR, Points, and you can also add cars to your garage.
5) Click “Save and Exit” when finished.
6) Load back into to your console and start up Horizon.