Hi experts!

I'm in the process of paying off my credit card debt in hopes of raising my FICO score before refinancing my student loans. I really want to get the loans refinanced ASAP as my monthly payments are currently absurd.

My problem is that even though I can afford to pay my credit card debt off now, I know the FICO score won't update for 2-4 weeks. I've read on some other posts in this forum that one can make some calls to rush the credit report updating process, however I wasn't quite understanding who I should call and exactly what I should say. Do I call my credit card issuer or is there a bureau I should be contacting? Does anyone know of any other options besides calling that may be better?

I really really appreciate your time and help...it will end up saving me lots of money! All advice is welcome and highly appreciated.

Thanks,
Curt

[whatinspiresu]

someone correct me if i'm wrong. In my experience, the only way to change your score quickly is with a rapid rescore. The only people Ive ever seen with the ability to do this is a mortgage broker, or someone with the ability to pull all 3 reports. Rapid Rescore last I heard was about $30 per item per report. do a google search and see if anyone else provides the service besides a mortgage broker, Ive done it and didnt find anything good.

Whats the rate on your student loans? I thought student loans were naturally extremely low. If so, maybe you can call them and restructure the payment and use the extra money to make your improved credit into even better credit. I know dept. of ed. is easy to work with. (or you could go back to school, payments stop until 6 months after graduation j/k

Best of luck,
Trisha