I have enjoyed your posts here regarding Lexington. I am strongly considering becomming a Lexington full service client at this time. Here is my situation. I only have 2 BK related credit card negatives on my Trans Union report plus the public record of the BK. The California Chap 7 BK was filed in November 1998 and discharged in February 1999. Please don't think I am asking you to predict the future here but is Lexington likely to get these items removed based on past experience? I have already disputed the 2 credit card accounts twice thru Junum without success. My own opinion is that BK's and related accounts are the worst items to try and remove.