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"Buying better credit" usually refers to a controversial practice known as or piggybacking . It involves paying a fee to be added as an "authorized user" to a stranger’s high-limit, long-standing credit card account to temporarily boost your score.

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Many modern scoring models (like newer versions of FICO and VantageScore) have algorithms designed to detect and ignore "rented" tradelines. "Buying better credit" usually refers to a controversial