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alright hey everybody so todays video is gonna be a little bit different I wanted Mike to just kind of bust out the camera and were gonna take a look at a very interesting event that just happened to me last Friday so just a few days ago I ended up receiving a notice from a my credit monitoring through Credit Karma which is the credit monitoring service that I always recommend you start with and it says that I have a collection account now this is news to me and I think coincidentally kind of falls in line with what we were talking about from our video two weeks ago and we also released a video that said never ever pay collections just a couple short months ago and and its its taken off youve already had a hundred thousand views on it so I thought this would be a terrific opportunity for us to just kind of I want you to tag along Im gonna docHub out to the collection agency and were gonna see if we can get this thing not just paid but paid and removed from the credit report so I