Thank you [email protected]. I was saved a lot of stress and hardship by them I must say. I had a late payment history of student loan on my credit report lurking on my credit report. coupled with this I had several hard inquiries. All of this is blemishes on my credit report, I was in the dark and even after completing my student loan payment. I already started working and earning averagely. I still had these negative items on my credit report, Hence I could not apply for mortgage and other emergency loans I needed, this always pissed me and made me feel the burden. not until i got introduced to the hack firm. They helped me remove this negative items in weeks. He assisted me in disputing the inquiries, deleted late payments and had my credit score increased. this is my little way of saying thank you. I promised to recommend him to people in a similar situation.