Upload your credit report and get the same audit I run for my own clients — your mortgage-ready verdict, what your score could reach, and every dispute ranked by how winnable it is.
🔒 Analyzed securely · Never stored or shared · Built on 29 years of credit expertise
Two quick steps. Works with almost any credit report — bureau PDFs, phone screenshots, or the tri-merge your loan officer pulled.
What works: SmartCredit 3-bureau reports (ideal), AnnualCreditReport.com PDFs, reports straight from Experian / TransUnion / Equifax, Credit Karma or myFICO screenshots, mortgage tri-merge reports (Factual Data, Credco, Xactus, Advantage), or a photo of a printed report.
No recent report? Get your 3-bureau SmartCredit report — $1.99 trial (we may earn a commission).
🔒 Your report is analyzed securely and never stored or shared.
Here's a sample of what your report comes back with, built the same way I prep files for mortgage lenders.
Mortgage Ready, Almost There, Action Needed, or Major Repair — with the reason why.
All three bureau scores, with the middle score highlighted — that's the one your mortgage is priced on.
Where your score sits if you do nothing, work it yourself, or run my full plan with rapid rescoring.
Each negative item gets a Dispute Strength Score and shows which bureaus report it — so you attack the winnable ones first.
Mortgage lenders pull older FICO models (2/4/5) that behave differently. Your file is tested against 20 mortgage-specific rules.
Yes — the full audit and your downloadable action plan are free, no credit card. If you want help executing the plan, that's what the free strategy call is for.
No. Your report is read in your browser, analyzed securely, and never stored or shared. Only your contact info and the audit summary reach us.
Almost any: SmartCredit 3-bureau reports, AnnualCreditReport.com PDFs, reports from any single bureau, Credit Karma or myFICO screenshots, a photo of a printed report — and mortgage tri-merge reports from Factual Data, CoreLogic Credco, Xactus, Advantage Credit, and similar.
Grab your 3-bureau SmartCredit report for a $1.99 trial — it's the ideal format for this audit. (We may earn a commission.)
I work directly from mortgage credit reports — Factual Data, Credco, Xactus, Advantage, any tri-merge PDF. Upload it above with your borrower's permission (or send them this page), and I'll map exactly what moves their middle score — which items to dispute, which balances to pay down, and how to time it with a rapid rescore so your file keeps moving.
Book a free 15-minute strategy call with Jason Hall. Bring your questions — leave with a plan.
Book My Free Strategy Call →844-900-1552 · rapidrescorecredit.com · Austin, TX
Testing every tradeline against FCRA guidelines and 20 mortgage-scoring rules.
Book a free strategy call with Jason Hall. We'll review your results together and map a customized dispute & rescore plan to get you mortgage-ready.
Book My Free Strategy Call →844-900-1552 · rapidrescorecredit.com · Austin, TX