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i just want to thank everybody for being here my name is john watts im a consumer protection lawyer and were going to talk all about how to identify the errors on credit reports and this is not going to be you listening to me this is going to be were going to put some stuff up on the screen and just all look at this together and see if we can identify the errors together so let me do a little bit of uh sort of background just to get us started here and again thank you everybody for being here lots of comments and uh just uh really good to have everybody on here so im not gonna take very long to do this but i just want you to see kind of the delay of the land before we get into the credit reports because i want you to understand what were dealing with what our options are with the law so youll notice this is from just last month so this is not five years ago or ten years ago this is the cfpb consumer financial protection bureau last month say heres a big special report on how ter