Find out more about rapid rescore and the rapid rescore services and process!
A Credit Rescore is a streamlined way to correct or remove inaccurate information in a borrower’s credit report, either from one or multiple bureaus.
Note: If the ECOA code is “T” for Terminated that means the Bureaus will not update any account information through the Credit Rescore process. These tradelines can only be deleted.
All rapid rescore fees are per person/per bureau/per tradeline
Standard is 3-5 business days after you submit a request, while rush is just 1 business day
Equifax and Experian offer rush processing for an additional $40 fee. TransUnion does not offer rush processing for rapid rescore orders.
The bureaus won’t accept the standard consent form and may contact the borrower’s creditors directly to verify the request.
To avoid delays, ask your borrower to contact the affected creditors and have their account notated with “authorizing the release or sharing of all account information to Experian, Equifax, and TransUnion.”
This is highly recommended for all requests as a precaution. If the bureau calls the creditor without authorization, the request may be placed into “investigations” and it could take up to 30 days for the request to be completed.
Dispute comments can be removed by submitting:
The borrower should also contact the creditors to make sure that the disputes are removed from their system and that they do not get re-reported.
The Bureaus will accept a current statement (online printout is okay) and must have a portion of the account number and reflect current date with the exact change (balance) or update needed.
Bureaus require that all documents submitted:
The bureaus are unable to accept documents that only state that the borrower was removed as a user.
The bureaus update the account one of two ways: 1) they terminate, which means that the account remains on file, no new reports, the balance is zeroed out, and the status is updated to “T” or 2) they delete the account from the user’s credit file.
To terminate, the letter will need to state that the consumer’s name has been removed as a user AND the account has been updated to terminated.
To delete, the letter will need to state that the consumer’s name has been removed as an authorized user AND the account has been removed/deleted from the borrower’s credit profile.
Remove incorrectly reported late payments with a letter from the creditor. The letter must:
Note: Barclays Bank will not verify or release any account information over the phone
123 Main St, Phoenix, AZ 85202
Credit Card #1234 4564 4565 1231
Account ID # 12345678
To Whom It May Concern – Barclays Bank Customer Care Department
Please provide a letter for the above listed credit card number/account ID showing my current balance and next payment due.
Please ensure that the account ID number is listed on the response letter. Please fax response letter to 987-987-9871
If the credit bureau is unable to verify/obtain information with a creditor, the request may be placed into what the bureaus refer to as “Investigation.”
The bureaus will send an electronic request for validation of the information to the creditor, who then has up to 30 days to respond. Normally, the creditor will respond in 4-10 days. Informative Research tracks and follows up with the bureaus on all investigation requests every 3 to 4 days and would send statue updates to you.
For help, reach out via email at firstname.lastname@example.org or call at (888) 819-0007.