Is paying for credit repair worth it, or should I do it myself?

It depends. A credit repair service mainly disputes questionable items and organizes the process, which is something you have the right to do yourself for free under the Fair Credit Reporting Act. Paying can save time and effort if you have many items or limited time, but no company can legally remove accurate, timely information or guarantee a specific score. Be cautious of anyone promising guaranteed results or asking for large upfront fees.