New Memeber in Need Of Help!

Hello,
I am new to this forum and I must say that I am very impressed. This is my first post and I am in need of some help. I am looking to purchase a home for my family and myself and I need to increase my median score. I currently have a median score of 525. I need 580 to get 100% finance. At the suggestion of a mortgage broker, I should make settlement and pay all account that were in collection staus, to help increase my score. I did such and Transunion is the only CRA that sent me an update credit report. I do have the necessary papers stating that the accounts are piad w/zero balances. I am not sure if that was the best thing to do. Nevertheless, I am in search of deleting those files because the still have a negaative impact on my credit rating. I was wondering in someone could assist me in starting off in the right direction. My 3 credit reports look like the following:

Transunion

(1) Philadelphia County Reco Docket # XXXXXXX
Type: Paid Civil Judgment
Court Type: Common Pleas
Date Paid: 10/2002
Date Filed: 10/2001
Responsibilty: Individual Debt

(2) Anderson Financial Network Acct# XXXXXXXX
Loan Type: Collection Agency/Attorney
Remarks: Paid Collection
Date Placed for Collection: 8/2004
Balance: $0
Date Verified: 02/2005
Original Amount $129
Original Creditor: 10 Verizon Communications
Pay Status: Payment After Charge Off/Collection
Account Type: Open Account
Responsibility: Individual Account
Date Closed: 02/2005

(3) Collection Co. Of America Account# XXXXXXXX
Loan Type: Collection Agency/Attorney
Remarks:>Paid Collection
Placed for Collection: 06/2004
Balance: $0
Date Verified: 02/2005
Original Amount: $133
Original Creditor: Verizon South Consumer
Pay Status: >Payment After Charge Off/Collection
Account Type: Open Account
Responsibility: Individual Account

(4) GEMB/SAM'S CLUB Account# XXXXXXXXXXXXX
Loan Type: Charge Account
Remarks:> Settled-Less than full balance
Balance: $0
Date Verified: 02/2005
High Balance: $501
Credit Limit: $0
Payment Status:> Payment After Charge Off/Collections
Account Type: Revolving Account
Responsibility: Individual Account
Date Opened: 07/2003
Date Closed: 04/2004
Date Paid: 02/2004

(5)Household Bank Accout#XXXXXXXXXXXXXX
Loan Type: Credit Card
Remarks: Account Closed by Credit Grantor
Balance: $769
Date Updated: 01/2005
High Balance:$769
Credit Limit: $300
Past Due: >$77<
Pay Status: >Colection Account<
Account Type: Revolving Account
Responsibility: Individual Account
Date Opened: 11/2003
Date Closed: 12/2004
Est. date the the item will be removed: 06/2011

(6)NCO Financial Accout#XXXXXXXXX
Loan Type: Collection Agency/Attorney
Remarks:>Paid Collection
Date Placed for collection:07/2002
Est. date that the item will be removed: 04/2009
Balance: $0
Date Updated: 02/2005
Original Ammount: $364
Original Creditor: Progressive Insurance
Credit Limit: $0
Pay Status: Payment After/Collection
Account Type: Open Account
Responsibility: Individual Account
Date Closed: 01/2005
Date Paid: 01/2005

(7)National Recovery Agency Account#XXXXXXXXX
Loan Type: Collection Agency/Attorney
Remarks: >Paid Collection<
Date Placed for collection: 07/2003
Est. date that this item will be removed: 06/2008
Balance: $0
Date Updated: 02/2005
Original Amount: $152
Original Creditor: Med1 02 Abington Plaza Medical Associates
Payment Status: Payment After Charge Off/Collection<
Account Type: Open Account
Responsibility: Individual Account
Date Closed: 01/2005
Date Paid: 01/2005

 

Thanks Verbatim,

Will Do!