Thread: Pay for deletion information

I am new to these boards, so I hope you will excuse me if my question comes off stupid!

3 years ago, hubby and I came on hard times financially. We got behind on all our bills-credit cards, mortgage, car loan. 2 years ago things got better. We paid off our car (but there are late payments) and we negotiated about 10 credit cards total. Some we paid in full, some we settled. Mortgage shows lates as well, but we have since sold the home and rent. We are now debt free with excellent income.

I had no idea that something like pay for delete existed, or I would have tried this with the cards I negotiated and paid. My question is, is it too late to try this? What I mean is, say I only paid 1500 of a 2500 card. Can I send a letter stating I will pay an additional amount for them to delete?

The reason I ask is, even though we are debt free and have way above excellent income, we can't get any type of loan. Our scores are around 565. I have 5 good standing, revolving credit cards, so I don't need those. However, we would like to get an auto loan and it's proving impossible without a 25% interest rate. I have tried Lexington Law and they been sending out letters for 7 months without 1 singe deletion. I'm planning on cancelling them. Any suggestions? I have about 25 negatives on both mine and my husbands credits.
THanks!