Rapid rescoring isn’t credit repair—it’s just an express lane for getting information to credit bureaus. You can’t dispute anything and everything that brings down your score (unless everything is inaccurate), and the service won’t help you negotiate settlements with creditors. You’ll need to take action to improve your credit legitimatelyand then get a rapid rescore to have those actions reflected in your credit reports and credit score quickly.

Steer clear of scams by avoiding third-party rapid-rescoring companies that promise to quickly raise your score by disputing negative items that are correct. This isn’t how rapid rescoring works, and legitimate lenders and companies will never make this pledge.