Credit Repair

[Josh Tonecha]

I know this dead horse has been beaten plenty of times, but as stated in my only prior post I am just beginning my investor career. I am finally in a place where Ive been paying all bills on time for 4+ years, my wife and I have decent income and we are saving on a regular basis and keeping our expenses well within a reasonable area. The only problem - old collection accounts on my report, and my wifes income is stead but part time. Because my score was 616 I couldnt be on the loan it would have to be her alone, Im fairly confident we will be denied, even though I know we can afford what we are looking for. My debts are old but they still hurt me so I've been researching credit repair. What does anyone know about Pay for Delete (PFD) letters or other avenues to not restore this debt but find a way to satisfy it sooner without extending the time it lingers on my account. I want to pay the debt now but I'm afraid this will only cause me more suffering.

Sorry for the long story but I need some guidance here.

[Josh Tonecha]

Yea me and my wife were pre approved anyways, so I'm Doing good enough anyways, plus I did my research and know that mostly any credit repair business at best does things you can do yourself and at worst will make things worse or just cost you a bunch of money that you didn't need to spend. Thanks @Steve Vaughan and @Sergio Garcia For legitimate concern and not sales pitches