Hello everyone I'm 35 years old and I had 14 negative accounts in collections. 12 from the emergency room/ medical and one from sprint and a cable company. And 5 hard Inquirys. Never had credit cards or loans or anything like that before. I got introduced to JAMES DOLAN by a friend . So I contacted him for credit fix. He disputed all the collections and hard inquiries and got them all removed with the 609 dispute letters within 3 weeks. And now I have nothing negative on my credit file. You can be happy too . Send a descriptive Email to him on JAMES DOLAN CREDIT EXPERT AT GMAIL DOT COM or on his Work number; 720 358 7042 trust me his fee is very affordable. Kind Regards !