Not at the closing. You need to discuss this at the time of loan application, or be prepared to do parts of the application process over again. Do NOT wait till closing.
You cannot pay the credit rating bureaus to improve your credit rating. However, you can improve your credit rating by paying your bills on time and paying the full required amount due. If you can put additional money towards paying off your mortgage, car loan, student loan or credit cards, this can also help.
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