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I welcome back to finally revealed in this episode I want to talk about a section of the cares Act which was passed and made into law on March 27 2020 about your credit individual consumer credit which most often is credit cards and it also applies to auto loans and it can also apply to other consumer debt furniture loans and your mortgage so the cares Act was passed to give us financial relief in the u.s. during this quarantine situation so this particular section talks about the ability of creditors to report to the credit bureaus about whether or not youre paying on time and while were in this quarantine situation if you make arrangements with your creditor auto house any other type of installment payments maybe a department store credit card a gas credit card or a you know general American Express a Visa Mastercard Discover those types of agreements if you make an agreement with those creditors for an accommodation and Im going to go over what those accommodations are then the c