Buying Florida
Didier Malagies is a leader in the Tampa Bay Mortgage industry, serving Pinellas, Pasco, Hillsborough counties, and beyond with his sights set on educating residential and commercial buyers regarding Florida purchases. With over 20 years of expertise, Didier has built relationships with realtors, bankers, and clients based on integrity and his drive to provide the best customer experience in the state by being there from beginning to end of every purchase.
Whether you're looking to move, invest, start a business or expand, Didier will share everything you need to know on his show every week.
Didier Malagies nmls#212566/DDA Mortgage nmls#324329
Buying Florida
How to increase your credit score with a rapid rescore
A rapid rescore is a service offered by lenders to quickly update your credit report with the latest information, potentially improving your credit score in a matter of days rather than waiting for the usual reporting cycle. Here’s how it works:
How Rapid Rescoring Works:
Correct Errors or Update Balances – If you've recently paid off debt, had incorrect information removed, or made other positive changes, a rapid rescore can update your credit report faster.
Lender Requests the Rescore – You can’t request a rapid rescore on your own; a lender must do it for you.
Credit Bureaus Update Your Report – The lender submits proof (such as a paid-off credit card statement) to the credit bureaus, which then updates your report within a few days.
When to Use Rapid Rescoring
You’re applying for a mortgage or other loan, and a higher score could qualify you for better rates.
You recently paid down high credit card balances.
Errors or outdated negative items were removed from your report.
Important Notes
A rapid rescore does not remove accurate negative information—it only updates legitimate changes.
It typically takes 3-7 days for results.
Some lenders offer it for free, while others may pass on a fee.
Would you like help finding lenders that offer rapid rescoring?
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didier malagies nmls#212566
dda mortgage nmls#324329