I currently use Mandelic Acid (15%) from Garden of Wisdom and I also use lactic acid from Makeup Artists Choice. I did a lot of research and it's cheaper to buy these ingredients seperately rather than to pay a lot of money for a cream that only has small amounts of active ingredients.
I have noticed quite a bit of lightening of my hyperpigmentation around my eyes! I tried hydroquinone (prescription from my derm) and it didn't help me at all.
I have heard good things about Philosophy's line, but it's pricey!