A rapid rescore is a two-step method by which you can quickly raise your credit score by submitting proof of positive account changes to the three major credit bureaus Equifax, Transunion, and Experian. This process can lift your score by 40-100 points within days after unfavorable information is removed, and your credit profile is updated.
Rapid rescoring is most beneficial when done with a mortgage broker or lender, not credit repair companies.
The first step in the rapid rescore process is to obtain a copy of your credit report. You are entitled by federal law to receive a free credit report once per year from each credit bureau, Equifax, Transunion, and Experian. But that credit report may not be utilized by any broker or lender to offer any mortgage programs or perform a rapid rescore.
They are required to pull their report to order a rapid rescore.
The second step is to provide documentation showing the reason for the negative information currently appearing on your credit report.