Over the last 15 years, I have come across all kinds of so-called "credit repair" suggestions and/or scams.
One of these is called "Pay-to-Delete". The basic idea is that if you have an account that is past due, charged off, or in collections, you can offer to pay 100% of the balance in exchange for the creditor or debt collector promising to delete that account from your credit report.
Sounds OK, but also sounds "a little to good to be true".
The major crediot reporting bureaes are "for profit" businesses that collect data on all of us about how we use credit. This includes:
How many accounts/credit cards you have
What type of credit accounts you use
How much debt you have
How you pay...on time, late, etc.
The credi bureaus, mainly the big three: