A valid question, can you actually repair your credit (and good name) after you have “gone off the rails”? I think the answer (as usual) is maybe, but it will most likely never be like your original credit profile.
If you have had your identity stolen, or some other nefarious event happen which has caused your good name to be dragged through the muck and slime, it may be possible to get back to a relatively clear name (again, I am not positive on this one), however, if you have simply gone off the rails, and let things get away from you, Credit Repair won’t get you back to “good as new”.
Much like with your car, if you have a major accident you can repair your car so that it works again, but it will not be like the car you first bought, and if there is lethal damage that just cannot be cured (at least not in a short time), much like a bent frame in a car can rarely be repaired.
If you have declared bankruptcy, you are not getting your Credit Rating or Good Name back to Lilly White in a long time.
Is it worth paying to get credit repair? I suppose it depends is an answer on that as well, but if you have had everything “go pear-shaped” in terms of your credit (by your own hand), then maybe what you need to do is figure out how to live without credit for a while. If you have somewhere to live, then living on cash and what you make might be better than trying to get your “Credit Rating” back in line. My guess would be that Credit Repair is something you do (if at all) a good while after you start living within your means.