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please family thank you guys for lending me your time and your your energy im sorry about my background music my little one shes up with me this morning but the point of this webinar is to cover the fcra and the procedures of the dispute process now this is what congress laid out theres nothing that i came up with theres nothing that the barrel bullies nothing that we came up with this is actually from congress so what im gonna do is just pretty much um go through the procedures were going to overcome some barriers so when you think about barriers dealing with the fcra um a few common barriers is typically their responses um it also may be them asking for more information and its important for us to know our rights within the fcra um especially when youre disputing because you actually have rights so were going to go through those points and then im going to actually walk you guys through a common dispute um procedure that i do based off of what congress laid out for us um a