A rapid rescore is a service offered by lenders to quickly update your credit report with the latest information, potentially improving your credit score in a matter of days rather than waiting for the usual reporting cycle. Here’s how it works:

How Rapid Rescoring Works:

Correct Errors or Update Balances – If you've recently paid off debt, had incorrect information removed, or made other positive changes, a rapid rescore can update your credit report faster.

Lender Requests the Rescore – You can’t request a rapid rescore on your own; a lender must do it for you.

Credit Bureaus Update Your Report – The lender submits proof (such as a paid-off credit card statement) to the credit bureaus, which then updates your report within a few days.

When to Use Rapid Rescoring

You’re applying for a mortgage or other loan, and a higher score could qualify you for better rates.

You recently paid down high credit card balances.

Errors or outdated negative items were removed from your report.

Important Notes

A rapid rescore does not remove accurate negative information—it only updates legitimate changes.

It typically takes 3-7 days for results.

Some lenders offer it for free, while others may pass on a fee.

Would you like help finding lenders that offer rapid rescoring?

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