I had pathetic credit and Lexington Law in just over a year removed 68 out of 92 negatives from my report. The only problem I have with them is that when you email them the persons answering the email can't possibly be reading them because they send you a form letter that doesn't even come close to the question asked. You can resend it 2-3 times and finally get tired of asking something they seem incapable of answering. Maybe just a little more concentration on their part would help. After all, you are paying for it. I will say that after just over a year my score increased considerably. It is frustrating at times when it isn't quick enough, but I got myself into this situation, not Lexington Law!