1st is a Perkins Loan through the University $435 Original Balance and now is $642 with interest. 2nd is a Student Loan through Dept. of Ed. $555 Original Balance and now $620 I also have a University Bursar acct. with a Balance of $1099. All three are on my credit reports and I am willing to pay them off, but the Reps from each loan say they can only report paid to the CRAs. The problem is I've had 30-120 day lates on the accts. and all 3 reps strongly refuse to delete any lates on the accts for full pyt. They say that with the paid on the acct that I could explain the problems we had to the mortgager in the future. I am looking at buying a house later this year and I want to qualify for an FHA loan. What are your recommendations?