I had a charge off on my Experian report I paid off the bill entirely bill show proof to Steve and customer service and paid for the entire year thinking it would of gotten removed but the charge off removed itself with the 7 years. Never pay for Serivce for a year. You see Steve on YouTube acting like he's a lawyer and know the court process and can't get anything removed off your credit. 3rd rate credit Repair fraud. Go with Lexington Law they been in business for 30 years or more.