What is rapid rescoring and who typically uses it?

Rapid rescoring is a service that mortgage brokers and lenders can request on behalf of borrowers — consumers cannot initiate it directly themselves. The process allows recently paid balances or corrected errors to be reflected on a credit report within 3 to 5 business days instead of the typical 30 to 45 day update cycle. It is commonly used to push a borrower's score above a qualifying threshold just before closing on a home loan, and requires documentation proving the account changes are legitimate.