Best bet is lexintonlaw i tried them paid $10 over phone and they were actually able to tell me dat i had 3 collections and 3 other things dats what kept shiwng up on my credit check every tme i applied to buy a motorcycle.. But no one can show or tell u what comes up when u apply for something .. I cancelled lextington for a while. But still have an account and am gng to call them bk just that u have to pay $78 or smtng aroun there a month but they help u pay and negotiate w/ the people u owe and get that removed from your credit to fix it and so it wont show up.. I hope this helPs people out there..