Trying to refinance a home with 105 negative statements

My fiance was laid off reducing our income. I had 13 credit accounts that all went delinquent --- charge offs, late payments (30, 60, 90, 120). Last sping (2007) I worked with a company to settle these debts. All balances are now zero, but did not raise my credit score due to the remaining negative statements. Currently there are 105 negative statements from the 13 creditors. We are on our 2nd arm mortgage and have to refinance again next Jan (2009). I am deathly afraid of getting another arm, obtaining a new payment we cant afford, or losing our home.
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over come them with new good credit
if the acounts show a zero balance.
3 new good lines of reported credit will raise your score enough in that time to help big time
this is what i did