Not sure where to post this because it falls under several categories, but here's my problem: I need to refinance my house and my credit score has to be a minimum of 640 to do so. I have a score of 629. There was an NCO-medclr collection and a federal tax lien on my credit report. Both debts were paid; the tax lien was paid last year and the NCO debt paid a couple weeks ago. The loan person said that they can do a rapid rescore, but he said it would probably be useless without removing that medical collection. The collection company said that it will appear as resolved but not actually be removed from my credit report. Has anyone done a rapid rescore? Can I get this NCO thing off my credit? Anyone have any idea how I could get an 11 point bump through a rescore? The lien wasn't totally through my own irresponsibility. I broke my back in Jan of '05 and ended up paralyzed. I had no way to handle these debts for several years. They're paid, but preventing me from moving on. Thanks.