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did the lender run a score simulator to back up his genius idea of settling the debts?
a lot of times old debt getting settled doesnt even move the needle
from what i see all of your DOFD ends by 2018 january on debts you have. imho it would be near stupid to your well being if after having waited to not have paid anyy debts until now ( nearly 7 yrs from dofd ) you suddenly wake up one good morning wake up conscious of wanting to pay them just becoz
a) you decided to buy a home and your income matters in the loan process
b) that paying something is better than not paying at all and thats justified.
Remember, 'Elections have Consequences'.
There is such a thing as Early exclusion which allows upto 3 months early removal /DELETION of BAD Tradelines which
if aug 2017 that means early exclusion is May 2017 or thereabouts for oct its july n for jan 2018 igts oct 2017
is it worth the wait until nov 2017 when all bad bad tradelines are forever gone from CR (the debt still remains unpaid and collectible) but you have an ALL CLEAR for a home mortgage and can breathe sigh of relief when applying for loan.
i really would wait till november unless
best of luck