What could move your score?
Some things on your credit report can be updated in days. Others take months. Here is the difference.
In days, through your loan officer
- A card balance you paid down that still shows the old amount
- An account status, credit limit or payment reported incorrectly
- An account that isn’t yours, or an error the creditor confirms
A Score Express rescore updates or corrects this, usually in a day or two, at no cost to you.
Over months
- On-time payments adding up
- Card balances staying low compared with their limits
- Older late payments and collections aging
These build on their own over time.
What a rescore can’t do
- Remove information that is accurate
- Add accounts or authorized users
- Promise a particular score
It changes the information on your report, never the score directly.
How a rescore works
- Your loan officer reviews your report and finds something to update or correct.
- They request a Score Express rescore. You pay nothing.
- The credit bureau updates the information, and we reprocess your report.
- New scores, usually within a day or two.
Three in fourrescores requested to raise the score moved it up at least one tier.
More than eight in tenraised the score lenders use.
Before you act on an old accountPaying an old collection or removing a dispute note can lower the score with some scoring models. Ask your loan officer first.
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