I do have 45 hard inquires and 4 collection's and other late payments including 5 credit cards maxed out I couldn’t get approved for a loan until a friend of mine introduced me to Jonathan he is a great man who changes lives I gave him more client and non of them ever regretted working with him he is the real folk you can get in touch with him At Jonathanjamescyberservices@gmail.com (209) 317-0582