I agree with your mortgage lender that they need to be paid, however just paying them does not help your scores. So why not try and do both? Pay them and get them removed. Below are a couple of threads to get you started. Post any questions you have and we will be glad to help!
http://ficoforums.myfico.com/t5/Rebuilding-Your-Cr
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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