Is getting credit repair a good idea if planning on buying a house?

how does credit repair work? is it a good idea if you have bad credit and want to buy a house.

If a bankruptcy is discharged is that good or bad for your credit rating?

I filed for bankruptcy in 1998. Recently in my credit report there was a public notice saying it was discharged.

Can I refinance my home with a good credit score but not much credit?

I started buying my home a year ago and I didn’t have credit then so I bought an owner financed home that had 12% percent fixed loan, which is why I want to refinance. My credit score is 718 but I have very little credit activity because I have never had a credit card or anything, I usually just pay cash instead of making payments. Will I be able to refinance?