While he was helping me drag my plants into the house today, he explained to me that he got a call from Lexington last week. He says they recommended that he subscribe to a different service they offer that's supposed to improve FICO scores. From what he says, they deal directly with creditors to remove inquiries, improve reported account information, and settling and removing collection items. The cost of this premium service is a whopping $125 per month! I told him he'd be an absolute freakin' idiot to pay such a price for services he could easily handle himself. Because he has too many subprime and retail accounts open-all of which are less than a year old, there's not a hell of a lot anyone can do to improve his FICO score significantly anytime soon. This would give Lexington enough time to suck up buttloads of money! If I'm not mistaken, isn't this the same service Junum performs for only $8 per month? I made him promise that he'd hold off from accepting their offer until I could find out for sure!