For homebuyers, refinancers, and anyone rebuilding
Get your credit ready for the loan you're applying for.
I'm Jason Hall. I spent 29 years in mortgage lending before and alongside running this firm, so I read your report the way an underwriter will.
I find what's hurting your file, dispute what's inaccurate, and push corrected balances to all three bureaus with a rapid rescore in 5 to 7 business days.
You talk to me directly. No call center, no sales team.
What I work on
Most files have two or three items doing nearly all the damage. My job is to find those, decide the right move for each, and do them in the order that moves your score fastest.
Collections and charge-offs
Validation demands, bureau disputes on reporting conflicts, and pay-for-delete negotiation with debt buyers when paying is the smarter play.
Late payments
Accuracy challenges when the dates or amounts don't line up across bureaus, and goodwill requests when they do.
Reporting errors
Duplicate accounts, wrong balances, accounts showing open on one bureau and closed on another. I compare all three line by line.
Rapid rescore
When you're mid-application, I submit updated balances directly to the bureaus. I can also rescore paid collections to a $0 balance, which most lender rescore tools can't do.
Mortgage score strategy
Lenders qualify you on your middle score, not the app on your phone. Since September 2026, every Fannie Mae and Freddie Mac lender can use the new VantageScore 4.0 instead of Classic FICO 2/4/5, and the two can land far apart on the same report. I work both models so you know which number your lender will use and how to raise it.
Case study
From mortgage denial to pre-approval
- 1A 30-day mortgage late that Wells Fargo had misreported was removed.
- 2Card utilization dropped from 98% to 5%, and I rescored it in 5 to 7 business days instead of waiting a reporting cycle.
One client's result. Every file is different and no outcome is guaranteed.
How working with me goes
Three steps. You're billed as each phase is completed, never in advance.
A call with me
Tell me what you're working toward and when. I'll tell you honestly what's realistic and whether I'm the right fit.
Your written audit and plan
An account-by-account review of all three bureaus: what's wrong, what I'll do about each item, and the short list of things I'll need from you.
Disputes, negotiation, rescore
I file disputes round by round, negotiate collections where it makes sense, and rescore the moment there's something to report.
Not ready to call? Start with a free audit.
Upload your credit report PDF, including a lender's tri-merge. You'll see your middle score, what's dragging it down, and which disputes are worth filing. My full written audit follows by email within 24 hours.
For loan officers
Send me the borrower you can't close yet.
I was a loan officer and production manager for years. I know what a 20-point miss on the middle score costs you and the borrower, and I work to your closing date.
Most of my business comes from loan officer referrals. You'll get updates on your file without having to ask.
Refer a borrower- Tri-merge review against Classic FICO 2/4/5 and VantageScore 4.0, using the middle-score rules you underwrite to.
- Direct rescores on cards and paid collections, without going through your lender's tool.
- Collection negotiation with debt buyers, aimed at deletion so it can feed the rescore.
- Preferred-partner pricing for borrowers you refer.
What clients say
Jason at Rapid Rescore is amazing! He guided me through every step of fixing my credit—disputes, documents, and all the details. He made the process so easy, was always quick to respond when I reached out, and super helpful. Thanks to him, my score went up over 100 points in a short time, and I just got my first mortgage pre-approval! Highly recommend!
Google review
Jason was absolutely the greatest! He was very knowledgeable, and helped me get my score up before I bought a house. He always responded to my emails and questions in a timely manner. I highly recommend Rapid Rescore!
Google review
Jason is amazing! He is so quick to respond, answers all your questions, and works hard for you. He is so easy to work with and really cares about his clients. I would use him again in a heart beat! Highly recommend!!
Google review
About Jason
I started in residential mortgage origination in the 1990s and worked as a loan officer at Citizens Mortgage, Amerimax Financial, National Mortgage Lending and Sequoia Mortgage Group, and as production manager at First USA Home Loans.
In May 2009 I founded Rapid Rescore LLC. Today I work alongside a team of specialized AI agents that handle the heavy lifting on every file, from three-bureau audits to dispute letters and report comparisons, so your file moves with speed and accuracy. I personally review and sign off on all of it.
I live in northwest Austin and work with clients across the country.
- FOCUS
- FCRA and FDCPA disputes
- SPECIALTY
- Mortgage score strategy
- ALSO
- Collection negotiation
- BASED IN
- Austin, Texas
Common questions
How fast will my score change?
A rapid rescore posts in 5 to 7 business days once there's an updated balance or a confirmed deletion to report. Bureau disputes run on a 30-day investigation clock.
Can you guarantee results?
No, and the law doesn't allow it. If you're not satisfied with the results, I offer refunds.
What does it cost?
Programs are flat-fee and billed as the work is completed. Most clients fall between $800 and $3,000 depending on the file. See pricing.
Do I have to be buying a house?
No. Plenty of clients are rebuilding after a hard stretch or preparing for a car loan or business funding.
Find out what's fixable on your report.
Fifteen minutes with me, no obligation. Or call (844) 900-1552.