Just wanted to inquire if anyone knows or have any experience with the services of the Lexington Law Firm that provides credit restoration services. I have a chargedoff account that is over 7 years old, it dropped off my credit report and I still would like to settle this account, so my record can be finally cleared. The amount is about $3,500.00-$4,000.00 for a personal loan- unsecured. I have visited their site numerous times, but I am still terrified that it will cost me more to settle and clear this. As per their advertisement they can settle 60% on the dollar. So that's about $1,800.00 - 2,400 and the charge of 20% of what is saved for their services. Any in which case it seems I still save . I am just terrified that things will not work out so well. My feet is still very wet when it comes to dealing with credit . So any advise any one can spare, I'd greatly appreciate it. Thank you.