Hi to all and thanks in advance for your help here is my situation and question
My husband and I are looking to get a house. He is the bread winner so the loan will be in his name. We both knew there were some bad things on his credit from the past before we met and some medical bills that that went bad so we hired one of those credit counseling places that suppose to fix your credit by getting these things deleted or taken care of with a promise to have raised our score signifncally. Well paid them 700 dollars intially and they told us within 60 days we should see a increase in our score. 2 months came and score the same and now they withdrawing 200 dollars a month out of our account. 6months later score still the same soo we dropped them and from pulling everything on here i am not seeing anything that was really removed from the account. We have now decided to just pay the accounts off. At least the big ones but looking at this report on here out of 7 delinquint accounts only 2 show the name. The rest just have xxxx. How are we suppose to contact these creditors if we have no information?
His fico score is 612 now. It was 610 when we started then we had 3 hard inquires when we applied for the morgatage and we didnt get as much as we needed to get the home that we wanted. There reason was limited credit and diliquent accounts. That dropped it to 607 recently (according the lender) but we applied for a cc with first premier this week and it must have risen it by 5 points. 
He has 2 other accounts with 5k limilt that are at 0 balance
The dilequent accounts are $480 and $819 Im sure we can settle with them to delete. The others are medical and no more than 200 dollars but i have no idea who they are and how to contact. What should i do? And if i get at least the 2 that are showing (480/819) deleted will that raise up his score? Another question... we applied for a first premier with 300 cl should we apply for another cc with another 300 cl or highe? and i keep reading about keeping your balance at uti @ 9%. What is uti? and how do i keep it at 9%?
Again Thanx
