My credit score are 533 535 544 and I want to get my credit score up to buy a home

hello my name is RLP and i need some help with my credit and called almost everyone i could to get some answers to no avail. I currently have very low credit scores 533 535 and 544 and want to get my credit scores up,so i can buy a home and here is my situation i have 3 charge offs with azero balance (that were paid in full) can i get them removed?i have some collections on my report also and called the creditors and askedif i pay them in full will they be removed..and they said that its not up tothem to remove it so i dont know what to do there...and second if they dontremove them should i pay them off or is it just wasting my time to pay themif there gonna stay in there i have the money in hand ready to pay but keepgettin a run around with creditors and experian,equifax,andtransunion...transunion gave me 3 different responses with 3 differentpeople so need to know what ya think thanks
Real Live Person

Bo Majors
to Real Live Person
show details
Feb 3
Your on the right track. If you cant get them removed then asked they ve marked paid as agreed and in full one credit cards or laons. with collections use a different approach.
http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm

http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm