(Quora: https://www.quora.com/Is-it-true-that-our-credit-score-can-be-upgraded-by-hackers)

A: No

I have never heard of any way to actually hack into the credit bureau’s computers and give yourself a good FICO score like in high-school to give yourself A’s instead of F’s.

It would not do any good anyway because the scoring algorithm is run on the current data at the time a credit report is generated. Your credit report and credit score are a single snapshot in time.

I use the phrase “Hack your FICO” to mean boosting your FICO score using the Fair Credit Reporting Act’s consumer rights as well as what I believe to be the underlying rules of the FICO credit scoring algorithm which is a secret but we see consistent results when certain actions are put into practice.

This is “hacking” in the sense of effecting a corporate system with semi-precise blows to gain a specific outcome.

To legally and effectively boost or “hack” your FICO, check out this report: OneRay.com/boost