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hey all josh denbo foreclosure defense lawyer consumer protection attorney for people who follow my channel ive got on a button down shirt which means todays video is really important and its only be like three minutes long so if you cant watch this for three minutes you got an attention span problem thats on you all right im not here to yell you heres the situation um the mortgage servicing industry is often reporting people who are in the cares act forbearance as late if you were current on your mortgage when you went into the cares act forbearance thats illegal its illegal they cant do it under the cares act they cant do it under the fair credit reporting act or state consumer protection statutes that come into play they cant do it the reason why this is so problematic from a large picture is because if the mortgage servicer reports you late when youre not late and you come out of the karzak forbearance and you get an opportunity to refinance to like two percent of this