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Credit Education > Credit Score Specialist > Rapid Rescore
A credit rescore can help improve your credit score quickly—often within days—by updating incorrect or outdated information with the credit bureaus. This process can make a significant difference in qualifying for better mortgage rates or loan approvals.
A credit rescore is a rapid process that updates specific items on your credit report with the major credit bureaus (Equifax, TransUnion, and Experian). It’s not the same as traditional credit repair, which can take months. A rescore is used when there’s accurate documentation available to correct information—such as proof of a paid-off account or reduced credit card balance.
You might benefit from a credit rescore if:
* Your current score is just below a key threshold for mortgage qualification.
* You recently paid down debt or resolved an error on your credit report.
* You need a quick score boost to lock in a better interest rate.
1. We Review Your Credit Report
Our specialists analyze your credit report to identify opportunities for improvement.
2. You Provide Documentation
If you’ve recently paid off debts or resolved issues, we’ll need written proof (like confirmation letters, receipts, or updated account statements).
3. We Submit to the Bureaus
We send the documentation directly to the credit bureaus for expedited processing—usually within 3–7 business days.
4. Your Score Updates
Once updated, your lender can use the new score for mortgage approval or rate locking.
A rescore does not guarantee a specific score increase. It can only update items where accurate, verifiable documentation is available. This service is typically initiated through your mortgage broker or lender—it is not available directly to consumers.
If you’re in the mortgage process and think a credit rescore could help you qualify for better terms, contact us today. Our credit score specialists are here to guide you every step of the way.