You really need to tell us what rules you play under. I seriously doubt that you're playing under NFHS rules.
A block below the waist is usually described by players and coaches as a "cut" block. While the block that you described would be illegal under NF rules, I'm pretty sure it would be legal under NCAA rules.
A "crack back" block is usually done by a wideout who is in motion. He'll hit a DE or blitzing LB in the back.
As Mike stated, neither term is a rulebook term.
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