I found this board a few days ago and have been reading all your posts. It is so cool the way you all share information and encouarge each other. I am new to all this, I am so busy that I dont have time to work on credit repair. I was thinking of using lexington, but I decided to go with Bill from creditwrench. He is going to do it for me, Im not useing the creditwrench myself. I hope I have good results. Has anyone had results with him? Thanks