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welcome back hey guys its stephanie adams with sos solution so we i started a series um which i am super super excited about but im kind of a geek so i get excited about these dumb things um but this is our metro 2 series and specifically in this particular one were going to be talking about um debt buyers third-party collectors and how you can use their own industry standards called metro 2 against them now metro 2 is basically a software that is used to upload into the e oscar system the e oscar system that kicks out your credit report so if the information thats entered into the metro two system is not correct and it splinters out in the uh oscar system on your credit report then you can use those against the creditors as inaccurate reporting they also have within their manual different circumstances in which things can change so normally when we talk about doing disputes to creditors we dont theres theres certain things that were just like eh theres no need to bring that