cv_renter, go with Lexington! You will be pleasantly surprised how fast the process works. Yes you can do it yourself, but I’m with you, not worth the time.
When trying to decide if you really paid a credit card late 3 years ago. Save yourself the headache of research and just report it as inaccurate. If they don’t dispute it, it comes off. Give yourself the benefit of the doubt for once.
