Make sure you get in writing that any settlement you agree to pay will also require the creditors to remove the negative marks off your credit report. Don't pay unless they clean up your credit reports. Settlements that are showing will often be a cited reason when a loan officer does a manual review for new credit. Demand removal!
John Michael Kane's Datasheets: Master The Credit Game: Save & Make Money By Being Credit Savvy
Boycott these companies that hate men: King's Wiki Boycott List
Try not to become a man of success but rather to become a man of value. -Albert Einstein