Be cautious of “quick credit score hacks”—real credit improvement takes time and depends on factors

And another thing, when you're trying to increase your credit score quickly because you're trying to move out of your mama house or your s off your sister couch, you add a trade line to your credit report and it's going to increase your credit score in less than two weeks and it can give you 50 to 150 points in less than two weeks. Yeah, I'd be very cautious with this advice mainly because there is no magic pill silver bullet solution of increasing your credit score that quickly. Consumer credit is very nuanced and there's several different factors such as payment history, credit utilization ratio, uh inquiries, the overall age of the file, and generally it could take several months for you to see gradual improvements on your credit report and credit score. So I'd be very cautious when it comes to this kind of advice.