credit hack

27 Mar 2019

A credit hack that’s not nonsense.

The concept of credit hacking is popular, but there are two versions: Legitimate and illegitimate. We discuss each below and recommend that you stay away from the former and focus instead on the latter. For example, adding tradelines is an actual credit hack.

What is hacking?

Before discussing credit hacking, we should discuss general hacking. The word “hack” has a surprisingly large amount of meanings. It could mean to chop, to cough, it means a useless worker, or to gain illegal computer access, etc.

However, a “shortcut” or “trick” is the most mainstream definition of a hack.

There are hour-long YouTube videos with so-called “life hacks,” from creating cup lids with cellophane to removing a wine bottle with a screw and plyers.

As the term “hack” became more popular, people extended it’s applicability to other things. It found it’s way to the credit industry, with “hackers” supposedly capable of helping you and your credit.

Here’s a quick video to explain credit hacking.

Hacking credit.

With the “shortcut” version of the term in mind, supposed credit hackers started to pop up everywhere. Forum posts, articles, craigslist, etc. In fact, we’ve had many people post about hacking on our site. Here’s an example:

credit hacking story

Illegal vs. legal credit hacking.

If you’re looking to hire someone on the dark web capable of hacking into the data of the major credit bureaus, it is a foolish waste of time. If you’re looking for creative ways to increase your credit score, adding tradelines is a worthwhile example of a “credit hack.”

Reasons to not use a “hacker” who claims super secret special powers:

  • It’s likely just identity theft.
  • It’s likely just a scam to take your money.
  • To the extent it’s real, they will be committing a criminal offense and you will be a co-conspirator.
  • And, finally, let’s say it worked and they “hacked” away your bad credit at the credit bureaus. Well, the creditors who reported the bad credit last month (which was hacked away) will report it again next month.

Reasons to “hack” your way to a better credit score with tradelines:

Hacking credit scores with tradelines.

No, you can’t pay a cyber spy to delete your negative credit information. If you consider that a credit hack, then no, you can’t hack credit. Yes, you can pay to be added as an authorized user for the purpose of increasing your credit scores. If you consider that credit hacking, then yes, you can hack credit.

Updated: November 2, 2021

39 thoughts on “A credit hack that’s not nonsense.”

  1. My husband and I were trying to qualify for a mortgage loan and two of the bureaus are not providing a score, I have purchased things with credit off and on for the past 5 years so I suspect that somehow they have mixed up with someone else. I keep asking myself most time, what kinds of documents license and social security card would i send to expedite this process which make me worried most time. I also though of recommending by sending it as a request for a free report before i came across raycreditrebuild service through a friend i met from a Quora forum. My Credit score finally boost up to 790+ across the bureaus within 5 business days after receiving notification from the company that i have qualify for the mortgage loan and all my debt has been cleared. Guys i’m glad to review this service from raycreditrebuild and anyone who need his assistance should contact him right here.

    1. Please give me his into. I have talked to someone. I asked him if he could change one insignificant item on my credit report to prove he could do what he claims he could do. He wouldn’t do it.

  2. On my credit I have the issue of payments irregularities, a credit score as low as 486, background checks, bad credit reports so I can’t condone the hardness of paying up my credit, as a matter of fact I just loosed my job recently, to cater for the kids is another burden on me since I’m a single father of 3, so I called on RAY when I saw someone recommend him for credit help on a credit blog, the recommendation I saw are all encouraging, I got in touch with him on phone and we discussed about the credit fix and the way forward, he promised to help and will be honest with me, I held his words and gave him go ahead, within three days my credit has been perfectly fixed, no more evictions, bad reports, repos, everything was done appropriately without any cause for alarm, my credit score was also boosted to a very much encouraging limit, I can’t express to you guys how much I’m happy now, I’m now the proud owner of a well furnished home in DALLAS. This is a year of wonders and miracle in my life.

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