Rapid rescore: how to update your score in a few days

Usually account changes reach the bureaus once a month. Rapid rescore is a service available only through a mortgage lender: the bureau updates the data within 3–7 days based on documents.

• Suitable when you've already paid off the balance or received a letter about the entry's removal, but the report hasn't updated yet.
• Documents from the creditor are needed: a zero-balance letter, confirmation of removal, a corrected statement.
• You can't order it yourself. The service is paid by the lender; by law they may not pass its cost on to you.
• Rapid rescore doesn't dispute entries and doesn't remove accurate information: it only speeds up the reflection of changes that have already happened.

First the dispute and payoff, then the rescore. In the reverse order there's nothing to speed up.