Hi guys!
My LO told me that they want to do a rapid re-score on my account (I guess because I'm a few points away from the score that they typically want.) My question is - with a rescore, are ALL of my accounts being updated, or just the ones that I submitted information on? I had to sign two papers to get disputes removed off of credit report which is the reason for the re-score I believe. My credit cards typically report on the 5th, and after they report, I use the cards, but then pay them back in full (AZEO) before the new statement cuts. I am getting nervous because when my credit was pulled on the 7th, my cards were showing a 0 balance with one of them showing a 50 balance. Now I have used them and they all have a balance and I don't know if I need to pay them now, or just leave them be until before the statement like I normally do. I think I am fine, and that the only thing being updated is what I sent information in for, but I am not sure.
Any help/advice/info on rapid re-score will be helpful! Thanks! 
@numba1fan wrote:Hi guys!
My LO told me that they want to do a rapid re-score on my account (I guess because I'm a few points away from the score that they typically want.) My question is - with a rescore, are ALL of my accounts being updated, or just the ones that I submitted information on? I had to sign two papers to get disputes removed off of credit report which is the reason for the re-score I believe. My credit cards typically report on the 5th, and after they report, I use the cards, but then pay them back in full (AZEO) before the new statement cuts. I am getting nervous because when my credit was pulled on the 7th, my cards were showing a 0 balance with one of them showing a 50 balance. Now I have used them and they all have a balance and I don't know if I need to pay them now, or just leave them be until before the statement like I normally do. I think I am fine, and that the only thing being updated is what I sent information in for, but I am not sure.
Any help/advice/info on rapid re-score will be helpful! Thanks!
Hi @numba1fan ,
If the lender is doing a legit rapid re-score, they will have the dispute comments removed at the credit bureaus level & then pull a brand new report which will generate new scores. That means there is a chance that your ccs could pop up on the new report & have a negative impact on your scores.
I see. So that basically answered my question. They will only update with what I am sending in. My credit cards should be fine since they don't update until the 5th (which I will have them paid by then) and they are just basically updating with my disupte statements being removed. Hopefully that will pull my scores up (which is the reason she is wanting the re-score anyway. Everything else was fine.) iThanks for clearing that up! @VALoanMaster , and thanks for that question which helped clarify @Anonymous !! I'll keep y'all updated once I find out more info. I'm just ready to get my approval with my closing date lol.