I have a company that is great. They charge you a one time fee for a year worth of service. The great thing about this company is that they follow up with to make sure that you are satisfied with their program. They also have a website that you will be able to log in and watch what they are doing. You will be able to see the days that they send the letters out to the credit reporting agencies and also what has been removed. If I make a call to my rep, she always answers or calls back within 15 minutes. I wouldn't use any other company. I left the link below if you would like to check the company out. Email me if you would like to use my rep email@example.com.