Credit bureaus typically take up to 30 days or longer to correct an error or resolve a dispute in a consumer's credit report or file. But suppose there was a way for you to speed up that process and get your credit history -- and credit score -- updated in just a few days. Well, there is.
Such services, known as rapid rescoring, do exist, and they're legit, according to Anthony Sprauve, a spokesperson for myFICO.com, a consumer information website operated by FICO, which invented the FICO credit score used by most mortgage lenders.