[Arun42]

My wife and I are going through the process of pre approval for a mortgage. She has perfect credit, mine not so much. A majority of my issues are coming from Student Loans that have been paid off. Sallie Mae is listed as PAID (about 6 lines worth on my report), and the other loan takes up 3-4 lines and is marked PAID AS AGREED. Our lender has advised me to contact each office and ask to have these deleted. Can anyone give me advice on this? I've spent the last few hours reading these threads and it looks like I've stumbled unto the right spot, but I'm thouroughly confused. I also have a few entries that need to be paid off (4 $60 tickets, $440 from a credit card a defaulted on when I was unemployed). I'd be willing to copy and paste my report if someone could help. I want so much to provide my wife with a house. Thank You.