so embarrassing but with a middle score of 460 , i want to hire lexington law firm to see if the can remove some collections and bk's that I havent had any luck with so far just wondering are the worth it, some say if i pay down my charges to 20% atleast that could help, I would like to gain 100 points from some where lol

i just purchased a new car back in Sept how long before this starts to raise my score?