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mortgages guess what what if I put you in on a little secret you can delete a mortgage of your consumer for it yes you heard mortgages can be deleted just like any other account because under getting your truth in lending statement one of the disclosures oh youre should I say your truth in lending this project one of the disclosures was you the consumer under 15 USC 6802 have the right youre not asking you have the right to tell any creditor that you have the right to opt out of having your information reported this is locked so 15 USC 6802 B October gives you all the requirements there must be three requirements that the consumer or should I say three disclosures the consumer is given to opt out of having your information reported so if you opt out of having that mortgage reported thats how you delete the market lets go lets get it [Music]