I'd just like to add my story too, I think others would like to hear it. I`ve been struggling for several years with my car loan, as I had indemnity fraud in the past, and my credit score dropped down. Originally, I bought a car with 29% APR, then I refinanced twice, the lowest I had -12.99%. It was so high, my heart was bleeding every time I wrote the check. I applied to build up my credit score and remove every collection with the aid of Rock Base whom I contacted via his (ROCKBASE @PROTONMAIL .COM) after some days he told me he's done which I also confirmed on my credit profile. I reapplied for refinance 3-d time, and got several offers, Logix won, amazing 4.5% APR, I couldn't even dream about that. And for one hour spent in Branch, they opened a checking account, refinanced my car, provided credit card, that also helps build the credit, loan I applied for was granted. I even got a debit card right away. I was told they will reduce my car loan. I am so happy, it’s like I got out of a financial trap I’ve been in for several years.