I'm actually going through that very process right now! You pay $100 each month for about 5 months and then at the end they give you a book on how to fix it yourself as well so thats nice. So far they have gotten 7 bad things off my credit! The company I'm working with came recommended through the ever fabulous Jenny Karst they are called Advanced Credit Solutions and operate out of Bloomington, they're number is 1-800-522-0480. They are very flexible and have awesome customer service.