hi,

it will be better to settle these accounts.. yes.

lenders use different credit checks dependant on their choice. If for example your lender uses experian then you can look for an alternative lender who does not use said company. You will be suprised to know that your credit report can differ between companies, so what experian says. may not be omitted with a different credit check company. Find out what your chosen lender uses and see what other lenders use alternative checks. It can make a difference