Are credit repair bureaus worth it if I own a 680 mark but enjoy in arrears pmts on my history?
Answers: no. credit repair firms are usually fraudulent and/or scams. They ask for a ton of money up front and any never do anything, or create new information which is unsanctioned. A 680 score will pretty much capture you anything you want anyway
A site I've used for info in times gone by ...
http://debt.123thebest.info/credit_card.
All the best to you.
A credit repair service can't get removed legal information removed. If you really did make the payments deferred, you're stuck with them.
Don't blow this out of proportion. Even if they're still n your report, the most weightiness is given to the most recent 24 months. Keep making current payments and the late ones will slide into times gone by.
if your credit score is a 680+ you dont entail credit repair.