Be careful and you won't need a rapid rescore
Monitor your annual free credit report and take care of inaccuracies long before you apply for a mortgage, and you might not need a rapid rescore. And starting two months before you go mortgage-shopping, keep credit card balances below 30 percent of your credit line, Davidson recommends.
It's "good for people to know that (rapid rescoring is) an option for them if they find something they are surprised about," says Anthony Sprauve, spokesman for myFICO.com.
Still, it's a lot easier to check credit and correct any mistakes or pay down balances six months to a year in advance than to have to scramble at the last minute, he says.