Zillow Advice: Home Buying - HOW CAN I DO RAPID RESCORE WITHOUT A LENDER IN MASS http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ Zillow Advice | Zillow Real Estate your question makes alot ... http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ your question makes alot of sense. &nbsp;I also want to rapid rescuer without a lender. &nbsp; Mon, 16 Jun 2014 20:38:00 GMT http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ 2014-06-16T20:38:00Z user74435071 now I believe ... http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ <br/><div>user74435071 now I believe I understand your issue. &nbsp;A little advice, I presume you use a credit monitoring service so you look at your credit scores all the time, this is&nbsp;similar&nbsp;to looking at your 401K account everyday. &nbsp;If you look at it ALL the time you WILL drive yourself insane. &nbsp;<br/>So after you paid down the balance on your credit card(s) you used them which then lowered your scores again, correct? &nbsp;Here is what you need to know. &nbsp;The bureaus want to see you have available credit to use or another word have low balances as compared to your credit limit on you cards or they penalize you with lower scores. &nbsp;You don't want to go over 50% of your credit limit so it doesn't negatively affect your scores. &nbsp;The bureaus PREFER you keep the balances on your credit cardss below 30% of your credit limit.<br/>I presume you have limited credit so you need to apply these rules of the credit scoring game. &nbsp;I suggest you pay the balances down again, or ask the creditors to raise your credit limit or do both. &nbsp;This should help your scores now &amp; in the future.<br/>&nbsp;<div><br/><br/>&nbsp;<div><br/><br/>&nbsp;<div><br/></div></div></div></div> Tue, 18 Mar 2014 14:01:00 GMT http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ 2014-03-18T14:01:00Z I'm not aware they work outside ... http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ I'm not aware they work outside of Professional lenders, but you can go to their site (Google it) and find out.&nbsp; A lender I work with does this for our clients and hasn't charged them anything for it, despite RapidRescore charging for the service.&nbsp; Besides, the reason to get your scores up is for a lender to use the higher numbers.&nbsp; If you do this on your own, you still need a lender to get your loan, so I'm a bit confused too. <br/>If you are getting your scores from any site other than your lender or the credit bureau's directly, they may not be accurate anyway. Tue, 18 Mar 2014 00:43:00 GMT http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ 2014-03-18T00:43:00Z Well that's what I'm talking ... http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ Well that's what I'm talking about I paid the Down and raised the score over 30 points I used them and the score went down and need to have that updated so the score will go back up so it does make sense Mon, 17 Mar 2014 22:26:00 GMT http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ 2014-03-17T22:26:00Z Your question makes no sense.&nbsp; ... http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ Your question makes no sense.&nbsp; A "Rapid Rescore" is done on an existing credit report, so if you don't have a lender then you don't have a report to do a rapid rescore on.&nbsp; <br/><br/>If you&nbsp;have your scores and you have the knowledge on what needs to be paid, just pay down the balances on the credit cards in question.&nbsp; I suggest you do it on line so you have an up to the minute balance on the cards in question.&nbsp; If you do this then the next time some one pulls a report the new balances will be a positive to your credit score (as long as the creditors in question sent in new information on you to the bureaus) Mon, 17 Mar 2014 22:04:00 GMT http://www.zillow.com/advice-thread/HOW-CAN-I-DO-RAPID-RESCORE-WITHOUT-A-LENDER-IN-MASS/532669/ 2014-03-17T22:04:00Z