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oh so were banking on a misstep pretty much correct so if if a company gives me these three disclosures and I signed them that says if you dont pay I will reflect this on your your credit report right if I sign that then theres nothing you could do about that thats not necessarily all the way true the other part is Congress also gives you the consumer the right to opt out of having your information reported even after you signed the say prove it prove it Im glad you asked Dave so I thought that youre running this interview this is good so 15 USC 6802 what Im giving yall is only I only tell people this in my University this is how I get mortgages deleted auto loans deleted and student loans deleted mortgage is deleted it just sounds all right remember Dave when you delete it from the consumer report okay so what youre saying is not deleted in terms of my obligation to pay exactly were just deleted into the report or taking it off the report this makes sense this makes sense ye