I am currently a Junum member, and just received my 3rd round disputes back. 2 stubborn accounts left, one to fall off in 4 months, the other in a year. I can wait 4 months, if it in fact does come off in 4 months, but a year is too long to wait for the other charge off to come off. I'm curious if Lexington may be able to better work on these last two accounts than Junum. Anyone had any luck with Lexington getting deletions after Junum failed? Thanks for any info or opinions.