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hi everybody cameron reimer here with mountain west financial i just wanted to touch bases a little bit on the cares act and the for bearings program and what we are currently seeing so the cares act did offer um servicers so your mortgage servicer some guidance when um you do go into forbearance and so a part of that guidance is that they are required um to show that the account hat is in current status so meaning when it reports to the accreditors it is required to be given like a one rating and not like a nine rating which is what happens when an account goes into collections or when the account gets charged off but what we are seeing when we pull credit and what probably should happen is that the services are trying to give an accurate representation of what is happening so what the cares act did not offer guidance on is that the servicers are allowed to to notate in the file that the account is in forbearance um they are not required to necessarily um document a payment history if
