I only have one negative on my account ---a Bloomingdales chargeoff (a chargeoff that should fall off in February 2013). It's accurate though, so I am not sure if LL could help me. I am wondering if I should just pay the 100 bucks and see what they can do in a month. If Bloomys doesn't budge, which they havent for me, then i'll cancel. I'm also worried that having Lexington dispute a bunch with them will mess things up and it will end up not falling off in February. Is that possible?