Howard was referred to me to assist me with turning my credit around after I had filled for bankruptcy after being unemployed for almost a year. In May 2015 he told me he could legally create a CPN that would improve my credit score within 30 – 45 days. He assured me that he was “highly professional” and offered a 100 % money back guarantee in the event any of his customers were ever dissatisfied. After paying Mr. Baldridge $1500, and waiting 45 days with no word from him, I reached out to Mr. Baldridge to find out at that time there was a possible delay. He rarely answered call, emails, or texts. In all I waited almost 4 months for Mr. Baldridge to complete my file. He still has not finished my file. When I asked him for a refund in the early part of September, he promised to meet me and stood me up after I waited 4 hours for him. (He had no issue meeting me for my payment, but was always to busy or sick to meet for my refund.) It has been several weeks that I have been waiting for this “refund.” After I threatened to report him to the authorities, now all of a sudden I started getting emails he was attempting to secure credit in my name incorrectly. (I found out afterwards that he created a seperate, completely false second identity for me that intermingled parts of my true records.) Do not do this business with this man. He is a professional. PROFESSIONAL CON ARTIST.