Rapid Rescore and Capital One

[CreditGuy03]

I am trying to get a mortgage and was told by the LO that I need 30 more points. I had a maxed out CAp 1 card that I just paid in full but wont report until another 45 days since the statement cut last week. Is it worthwhile to do a rapid rescore with Cap 1 or do they typically ignore this and report when they feel like it

[ezdriver]

It is up to your loan officer if he/she wants to do a rescore for you. If yes, provide proof of payment to them and see what happens. That is a lot of points to make up from paying down one credit card. Let us know the outcome.

[DallasLoanGuy]

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@CreditGuy03 wrote:

I am trying to get a mortgage and was told by the LO that I need 30 more points. I had a maxed out CAp 1 card that I just paid in full but wont report until another 45 days since the statement cut last week. Is it worthwhile to do a rapid rescore with Cap 1 or do they typically ignore this and report when they feel like it

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credit bureaus update the account status

.... not cap1

[CreditGuy03]

I shot off an email to Cap One EO to see if they can do a quick manual update. Well see how it goes

[ezdriver]

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@CreditGuy03 wrote:

I shot off an email to Cap One EO to see if they can do a quick manual update. Well see how it goes

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Did you ask your LO to do it for you? Any decent LO would have that done in 24 hours.