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all right listen hopefully youre blessed Im blessed so I want to bless you with some information so were gonna talk about the fact that these late payments are illegal if you have late payments theres good news they are illegal were gonna walk through a lot that you can use actually remove them theres so many laws if you listen to my podcast thats besides the point but were going to talk about uh 15 USC 6802 so look up 15 USC 6802 Im gonna read this section I want yall to be aware of 15 USC 6802 I want yall 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 theres a b and c Im 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 be disclosed to such third party so lets lets go back a financial institution which is Whoever has your