Answer: -Look you did not build up bad credit over night -- rather it be lexington or any other firm it will take time so i suggest you save your money and apply to to your debt and once you get control of your money problems through good money management raise the score on your own!!! -Credit repair companies don't work. They just take your money. You might see some results at first but it's short lived.You want to increase your credit score, you have to earn it. Get your credit report. If there are any errors, file a dispute with the credit bureau. If you have negatives, make settlement arrangements.Pay down your credit cards to not more than 30% of your available credit limit. And pay all your bills on time.Sometimes you just have to establish a consistent, on time payment history. -YES!!!! I've used them in the past and had great results. I had the worse credit imaginable (2 bankruptices, charge offs, late accounts). I couldn't get any credit cards or purchase a vehicle. Two years later, I've purchased 2 cars, have 2 master cards,1 visa and great credit.