Me and my fiance are trying to purchase a house, he is 28 points away from being able to get a mortgage he is currently at 572. I have pulled his credit report and he doesn't remember some of the debts back in 2005-2006. What should be the first step I should take? Debt validation letters to all collectors? What if they don't respond within the 30 days? Do I then send a letter of dispute to the credit companies stating they didn't validate the credit and I wish for it to be removed? Once they validate it can I send a settlement offer 30% of the debt? Then if they accept do I send a delete for payment?