Estimate of future credit score
I am trying to estimate what my credit score will be in one year, provided no additional problems happen to my credit. My current score is 635. I have one credit card open with a low balance and $5000 limit. I have no debt and no current or past loans. I have a closed credit card that was 60 days late seven years ago. I have three collections that were posted on my credit agency report, two in 2011, and one in March 2013. What is an estimate of my credit score in one year? Is there a minimum credit score that is required to get a conforming mortgage, provided a high downpayment might be required?