Tomorrow my bank is doing a rapid rescore. My report has a $185 collection from 1 1/2 years ago, late cc payment 12/2012 and 01/2013. 60 day late fed loan 05/2013. I am having my most two recent late credit card payments removed dates 10/2013 and 11/2013 I also paid down two credit cards from 95% to 0% and 75% to 0%. All other accounts including mortage I had of 2 years, 2 car loans and another credit card all good standing. My score is 562 right now and has to at least be 617 to move forward with the loan. Do you think it will go up that many points? Please help thanks! 
