I used Lexington law earlier this year; as the did remove a few items from my credit report the system which they use is flawed. They order your EX, report, and they show u the CA or OC and the amount owed. Then they ask how you would like to challenge, whether it be "not mine" or otherwise. The rep I spoke with almost insisted I used "not mine" as it was most common and harder to prove other wise. This legally puts you in a pickle from what I've been reading since joining CB. Now, I mentioned above they only show you the name of the CA or OC and the amount owed for one specific reason. You have no way of knowing what type of account it is. For example thru them I disputed my OC Metabank/GLSSL as "not mine" based on the fact I didn't know who the heck they were. I'm assuming after seeing some sample letters used by LL that is the desired effect. There is a certain lack of full disclosure that should shy anyone away from them. Now that I'm looking at my reports on my own I can see exactly who/ or what I'm disputing. Which makes for a better attack plan if you ask me. Now that I think of it, in one case with LL I received a proof letter..... Anyways; another problem with using LL or other CRAs is that you aren't paying attention to what's on your credit; which I believe; makes good practice in MONITORING ones credit. For instance after LL got my credit score to about 680 I decided I was done with them and I could smooth sail my way into the 700s. WRONG. Since I wasn't monitoring my credit I had no clue my student loans (which are ALL thru Nelnet) were Being reported as 7 different loans. They were reported in two separate months. In addition to what ever else was on there. Had I known that before hand I would have looked into consolidation of my loans sooner. Needless to say that reversed whatever "hard work" done by LL, which led me to call them again. This time they wanted more money to start back up and I decided to start researching how to DIY. Now that I know they aren't doing anything I cannot do myself; I'm confident in my telling anyone inquiring about LL it's a horrible waste of money.