disputed some collections, asked asked Discover if they would re-open my charge off

My average score is 627, my highest is 650 with Equifax. I have a few things in the works right now and I was wondering if you could tell me maybe how much my credit score will jump if these things get through. My girlfriend and I are thinking of buying a house. Her credit is 800+ but I make more money. Do you think we'll have trouble?1. I have disputed some collections on my report and sent letters to the bureaus. I have not heard anything back yet. It's only been a few days though. Most of them are paid (there's like 4 total) and I know they probably won't come off. 2. I have sent a letter to Citibank (student loans) to ask they remove late payments as I have paid on time for the last 24 months. The late payments were from 2005 - I have turned around and paid over the maximum every month for 24 months. 3. I had/have a charge-off with discover. I called and asked if they would either re-open my account if I sent them money, or remove the item from my report if I paid. They said all they could do was report "paid in full / settled" on my report. I said that was fine. I finished paying that off yesterday. They have sent a letter to the CRAs to update the status. How much can I expect my score to jump? Only #3 is the "for sure" thing, the others might not happen.
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you could go up to 700+

if
nothing shows negative for the past 24 months with citi bank
and
you have 3 lines of new good credit paid down to less than 80% balance owed to high credit limit.

My credit score has dropped 80 points in last year

Can I talk to someone about raising my credit score. I'm happy to accomodate you for your time. I was just reading your website.
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sure
let it rip
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My credit score has dropped 80 pts in the last year..... 660-580. No late past 30 60 90 days late payments, foreclosures or bankruptcy's. I did start a business though in which I maxed out 5 credit cards (25k total) All payments have been made on time though. We are trying to buy a house and I was shocked at my credit. In reading your suggestions, it sounds like I need to get these cards BALS to less than the 80% of HICR mark. I could pay a couple of the smaller ones off completely and close them.......is closing them a good idea? We do have an existing home loan which is for a rental.....it's in good standing in the 4 years we have had it. We also have two car loans......also in good standing for the 3 years. How quickly and what route do I take to get my score back up over the 620 mark which is what I believe the lenders are looking for? I appreciate your help.
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pay off the small ones
since you can
do not close them.
keep the paid off cards open for higher bottom line or total balance to high credit limit ratios.
pay others down to less than 79% percent.
i have been advised to strive for 50% to 10% percent or less.
then credit score will jump right back up.
If it doesn't let me know