Well after living in credit hell for many years we decided to buy a home. Well the lender has come back and said we are fully approved (this is a non FHA loan), but we must take care of the following items (pay them off): 1. Collection from 10-1995 $164 2. Collection from 6-1995 $338 3. Charge off from 2-1995 $2900 The lender is looking for a statement from each of the above stating that the balance is zero or the acct has been settled prior to closing. Since we really want this home and are set to make an offer in the next two days do any of you have any advice about how I should pay these accts off, i.e., is there a better way than simply paying and getting a receipt (perhaps a letter, or a restrictive endorsement). As you can see the accts will come off in the next year. If I pay will they still come off or will they stay for seven more years. Thanks!