A rapid rescore also can’t undo a credit history full of late payments, delinquent accounts and other damaging behavior. The only way to see your credit scores improve from previous mistakes is to build up a positive credit history. This can take months or even years of good credit habits to achieve and maintain.

Before you ask your lender to initiate a rapid rescore, take your entire financial situation into account and make sure there are no negative surprises that await. For example, a rapid rescore might reveal a new delinquent payment or another issue that could actually lower your credit scores.

A rapid rescore may be a great option if you’re in between credit score ranges and higher scores would help you get better terms on a loan, such as a mortgage or auto loan. But keep in mind that there’s no guarantee that a rapid rescore will boost your credit scores, so weigh your options before jumping into the rescoring process.