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all right listen hopefully youamp;#39;re blessed Iamp;#39;m blessed so I want to bless you with some information so weamp;#39;re gonna talk about the fact that these late payments are illegal if you have late payments thereamp;#39;s good news they are illegal weamp;#39;re gonna walk through a lot that you can use actually remove them thereamp;#39;s so many laws if you listen to my podcast thatamp;#39;s besides the point but weamp;#39;re going to talk about uh 15 USC 6802 so look up 15 USC 6802 Iamp;#39;m gonna read this section I want yamp;#39;all to be aware of 15 USC 6802 I want yamp;#39;all to be aware of the beat the B section opt out so it says in general a financial institution may not disclose non-public personal information to a non-affiliated third party unless thereamp;#39;s a b and c Iamp;#39;m just gonna go through b so B says the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not b