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hey guys hope everybodys having a wonderful day Im going to respond to a comment here from Kevin and Ill first read the comment he has some excellent information in here and then Ill give my thoughts so hi John loved the videos looking forward to free series I have a question since Im on my own and no attorneys like you in my area how to overcome the response from the CRA and thats the credit reporting agency Equifax Experian TransUnion how do I overcome the response from the CRA continually saying sorry the creditor said its accurate even when you provide a proof do I send letter to CFPB any info is appreciate so Kevin great question and thank you for the kind words I appreciate that so let me do this in a couple parts lets talk about no attorneys in your area and then what the CRA is not doing in other words theyre not fixing this and then what do you do so first of all about there being no attorneys in your area I would just say lets question that a little bit and Ill tel