You can do it, and you dont need Lexington. I had about 8-10 baddies, mostly medical, on my report. It took me 10 months and a ton of letters, but I chipped at them one by one. Found out that a lot of it was flawed in some way. Soon as you find the flaw, you can get them removed off your report based on the inaccuracy. In the final stages, the ones that are legit, try to get a pay for deletes on those. You can do it!
