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Vent: Picked a rapid rescore service over waiting 6 months for manual disputes
Paid $150 for a rapid rescore to fix two late payments on my mortgage report, and it updated in 4 days versus the 8+ weeks the credit bureau quoted. Has anyone else risked the faster route and gotten burned on documentation?
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jenny_lane124d ago
charlies37 is right about keeping those emails. I did a rapid rescore for a similar issue with an old car loan that showed up wrong on my report. I had to send them the original payment confirmation from the bank, plus a letter from the lender admitting the mistake. It took about a week to update. I kept everything in a folder on my laptop just in case, but I never needed it after that. Just make sure you have solid proof of the correct info before you pay for the faster service.
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the_sean4d ago
jenny_lane12 is right about keeping those emails, because the credit bureaus aren't exactly your buddy if something goes wrong. I had a similar situation with a student loan mixup, and even though the rescore fixed it fast, I made sure to have a PDF of the lender's letter plus a screenshot of the payment history saved in two spots. One slip up on their end and you're back to fighting for months, so treat that paperwork like you're getting audited.
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