My husband and I have past due on our credit reports

My husband and I have a lot of items that are past due on our credit reports and we are finally going to fix our credit. Do you recommend just consolidating everything into one monthly bill or take one bill at a time and negotiate one at a time? Thank you
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thats a case by case study
i would venture a guess
legally validate each debt first
then negotiate each debt, tell them you make one in full payment not a payment schedule
if you cannot find a creditor dispute the accounts
then consolidate all settled and non settled debts

student loans consolidated and 3 open lines of credit for good credit

1) I took out four student loans to begin my college career and, throughout the years, these loans have been transferred several times, and now I have finally consolidated them all into one loan. The problem is that each loan from each lender is reported on my credit report, and I am wondering if there anything I can do to get all of these removed so that just the current loan is showing? On my credit report the old loans say, "Account transferred to another lender," and some of these loans were past due at some point prior to transfer.

2) When you say, "Have at least 3 open credit lines..." to fix your credit fast, do you mean I need to have 3 credit cards or is a mortgage and a student loan acceptable as one of the 3? I have one long-term credit card I use and I just opened another one, but I really do not want a third. But, if it will help me raise my score fast, I will seriously consider it.
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those old tranfered accounts will stay listed.
one can dispute them and hope
after 2 years these will not hurt much

student loans can count as good open credit
they don't help anything much because you see them on credit reports as nagging unsecured finance company like debt that only hurts my debt to income ratio.

3 lines of current open good reported credit over rides old credit each month that goes by
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