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Trying to clean up DW's score to apply for mortgage and just paid off an Eddie Bauer card from a roughly 85% util to $0. I called them to see if they could push an update to the 3 CRAs, but they said no, i would have to wait until statement. I know they have the ability to do it, that's what is frustrating.
What other options do I have other than waiting it out? I have heard of a rapid rescore, but is that a cost prohibitive solution? Who has the ability to do those?
Should I talk to some other dept than customer service for Eddie Bauer?
Your LO can do a RR but it will cost you 30 bucks per tradeline per credit bureau - though LO's aren't allowed to charge you, but I'm sure some do.
I was googling Rapid Rescore a while ago and I found a website that says they CAN do RR's for people without having to go through the Lender. You should google and see.
Another thing you can do, but risky, is dispute the account balance. It might work quickly or it might take longer than waiting, also you risk a dispute comment. No good if you are wanting a mortgage.
thanks Booner