Back then I had a Ballys Fitness chargeoff on my report, so that made my score like a 580 or so. Now...that collection is gone and my middle score is around a 646. Plus.....the interest rates are even lower now.

Is there a way I can get them to regrab my credit repornt and redo my mortgage somehow since it had some invalid stuff on there(the ballys collection)?

This annoys me b/c I couldnt qualify for a conventional loan and had to go w/a FHA loan, and also had to get a 6.5% rate. Argh! And PLUS I had to pay down one point!

Moving to mortgage forum.

You may qualify for a streamline refi and be able to get a lower rate without much effort.

Call Wells and ask for a streamline refi. It should be relatively simple, and with reasonable closing costs.

I can't estimate what your rate should be without a full scenario, but I would think you should be looking for a 1-1.5% reduction, with no discount.