My husband and I are trying to buy a home but his credit is too low. He has some debt that he needs to take care of and we are working on paying it off as I just go a new job.

But here’s the thing. He has 4 collections. If we pay them off, will they come off his credit and raise his score or will they stay there for 7 years? Should we pay off the collections first or the bills that are not in collections? All of this is really stressful and confusing