Can I call credit debtors & ask for removal if paid in full?

What are my chances of them even removing the bad debt off his credit report?? My husband has some debt on his credit report that prevented us from getting approved for a mortgage loan. This debt ranges from 2003 – 2007. Some medical bills, a phone bill, a few little ones here & there that don’t add up to much. The most significant one being an ITT Student loan f/ $ 2960. The date of 1st delinquency being 4/2004 on this ITT. Should I pay any of these off??? And if so, would it help his score any (current score 595)? The mortgage company gave us the number to a credit restoration company, that will cost about $ 800 over the period of a year… I don’t know what option of mine is better?? Anyone know???

Register New Account
Reset Password