Credit Repair Experiences

[Robert McBride]

I'm 23 years old and I am trying to make up for some past mistakes I made right out of high school.  Such as: becoming a delinquent with one of my banks, non-paid payday loans, and a car repo(Yikes, i know).  No one that I know has really rebuilt their credit because either they are worse than I am with money (such as my parents) or they never have made poor financial decisions so their situation is good.

I want to be able to invest in RE one day, but I have to start with my personal life and finances.

 I hear about credit repair all the time.  But I'd love hear some personal experiences.