Lexington Law bills 1 month in advance, ($99.95). After doing nothing for me, I decided to do it myself. I succeeded without effort, just wrote to each of the Credit Companies, and they were very quick to respond. Something that Lexington couldn't seem to get done, oh they made claims that they were working feverishly on my behalf, what a joke! After sending an e-mail stating that I no longer needed their services in the 1st week of January, just after they took out another fee of $99.95, I at that time told them not to charge my card ever again that my fees were current until 2/10/13, they ignored the request and took out another month of service fees. They are a fraud and a bunch of thieves. Do yourself a favor and take care of your own credit repair issues, its so easy.