Thread: Starting from Scratch..Need help!

Hello!
I was hoping someone might guide me through this process. I have suffered from horrible credit for the last few years (long story--self inflicted of course)....
however, I have paid most of my old debt down and left with a few cards(in good standing) with small balances and 1 car payment (which will also be paid off soon). Due to a major issue with my escrow, I fell behind on my mortage, wasted way too much time trying to refi-loan modification and ended up selling my home at the beginning of year as I found an eager buyer (a traditional sale, not short). Now, I used a credit repair service from Dec through July and did not see the results I wanted..I know they were able to get some old things removed but I did not see the score improve(the lates on the mortgage I suspect)..and it was very expensive!
The reality is some of the data is accurate(old charge offs that I ended up paying to collection agencies)and I am not sure if there is anything I can do..although some are past SOL in the state of TX..I realy think I am getting slammed due to the late status of my recent mortgage which was paid in full.
Here is what I want to do:
-I want to do what the credit repair company did--I have access to mycreditkeeper.com and
-Is there any way I can get that mortgage company too remove the late payments?A letter or something??I was told that this is killing my score also
-Can I request a collection agency to delete their report if I pay them?? how??

I know I can dispute accounts with all three bureaus but is that all is there to it??
Thanks
Any help will be greatly appreciated..I just hate that I am almost debt free but still have this aweful stain on my credit report..btw my scores are around 520 still...