I am wanting to clean up my credit in order to purchase a house. I especially don't want to have to pay a high interest rate. I have several delinquent credit cards on my record but it's all over 2 years. I have plans to pay all bad dept off in another year. But I read from your web site after 2 years even if the dept is paid, it wouldn't raise the fico score very much. In spite of the bad credit