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so I want to welcome everybody here this is our weekly webinar series but its also the start of a new series which is kind of a redo a revamping of what I did a couple years ago which is how do you look at your credit reports Find the Errors dispute so that stuff either gets fixed or deleted or it puts you in a position to Sue and we kind of started this last week with okay how do you call a credit bureau after you get results investigation but this will sort of be the official start of it and well go today and then well go next week and that will be kind of the foundation and then well just keep adding you could think of it as parts or modules where well talk about identity theft and mixed merge files where files get put together or after bankruptcy discharge how do you prove damages lets say youre turned down for a mortgage or some other type of loan how do you prove that and what about inquiries you know do they have to have permission to pull your credit report can you sue o