Today I was taking a good look at their website and found the following incorrect statement and I quote: "The 10 Myths of Credit Repair When I pay off a past-due account, such as a charge off or a collection account, it will show "paid" and will no longer be negative. It is quite difficult to restore your credit without somehow satisfying your outstanding debts. However, the act of paying off a debt can actually hurt your credit. Negative credit is allowed to stay on the credit report for a maximum of seven years, except for bankruptcy which may remain on the credit report for ten years. This seven year clock begins ticking on "the date of last activity" or, in other words, when the last action took place on the account. By paying an outstanding, delinquent debt you will change the account status to "paid collection," "paid was late," or "paid was charged off" - which will still stand out as a very negative listing. Furthermore, you will create a new date of last activity on the day you settle the account. The seven year clock will reset and begin all over again. When you have outstanding debt, it is almost always prudent to seek professional help so that you may settle your debts without further damaging your credit. " Lexington, if you are reading this; How can you claim to be a law firm if you are not telling your customers what the law really is. The 7 year clock does not change if you pay a delinquent bill. Please correct this information on your website.