It’s called “Piggybacking” and, like the childhood game, it involves getting a lift. Only with this piggyback ride, it’s your credit that’s getting a boost.

Repairing bad credit is only a click away through a service called Credit Piggybacking. Through sites like instantcreditbuilders.com, you can buy established lines of credit with years of payment history.

The “good” credit history runs for around $900 for the first credit card spot and you get a discount for additional.

But, financial experts see a dangerous side to Piggybacking, likening it to issues surrounding subprime lending.

“I think credit rating should be established based on your proper use of credit,” said financial planner Troy Daum. “If you take someone who doesn’t have a good credit rating, and most studies have shown if they’re irresponsible once, they’ll be irresponsible again.”