I have a very good credit score with no prior credit problems but I was denied for the last two credit cards that I applied for recently, likely because I have not had a credit card in my own name for about 5 years. I checked my credit reports and there is nothing on them that would cause me to get denied other than no recent credit. I have been using my business credit cards which offer points. I want to re-establish my own credit but it’s hard to choose to spend on a card with no perks when I have very good ones on my business cards. Thanks for the advice of Mrs Donney who introduced me to Kevin Mitnic and I explained all the issues going on with me and he collected my info. Guys I waited for 24hrs and I’m lucky to get good results from him. Lastly he cleared both late payment and negative reports on my credit including mortgage and I will be glad to see you guys to contact him because he is reliable and hard working. For more details about this service just send an email [email protected]