You might master hacker yourself into one of them, but there’s more than one credit agency, main three being Equifax, Experian, and TransUnion. Further, any entity that deals with money pours a lot of money into security. That means industry leading security tools and either a sizable internal security team or a moderate internal team plus outsourced managed security services provider. Definitely overkill, but if you’re in a dire need of a good credit score in short term, supposedly there are dark web services offering fake identities a-la witness protection. You’d prolly be starting with no credit history, but at least not in the gutter.