What has happened to her או what have happened to her

צודקת התבלבלתי has זה של she

have זה בהווה, וזה רק ב- i have, they have, we have
ו- has זה בהווה, וזה רק ב- he has, she has, it has
ו-had זה בעבר

כלומר has

have**