Help. I need to get credit scores up quickly and need someone who can do a rapid rescore for me.My mortgage broker just did a rapid rescore for both my husband and I. We had almost one year of late mortgage pays that were inaccurate. We thought the rapid rescoring would get our scores up but they only went up by 20 points. My husbands midscore is around 630 and mine is around 560. We have a closing date of July 21st. I asked my broker to run a what if wizard. we have some high utilization on cards, some with high limits, some with low. I have some collections. My broker plugged $5000 into the wizard and said he still couldnt get our scores up, although he did get my husbands mid score to 658. I was told that only one of us, my husband or me, had to get a 640. My broker now tells me that we both need 640 due to our income and we own another home. The home we are trying to buy will be our primary residence. So, is this true? Both my husband and I have to have a 640? If so, is there anyone willing to run a different what if wizard on us to see if we can get higher scores? My broker was unable to tell me if the wizard was removing my collections, paying down debt to 30% or 10% and same with my husband. It was just a vague "im sorry, I cant help you." We really want this house and have put $2000 on it for earnest. Is there anyone out there who can help us get our scores up or a lender who thinks they can get us financing quickly?June 11 2012 - Federal Way00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.