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all right good morning and welcome to the NF C Cs October financial facts series were gonna be talking about spooky financial things that can haunt your credit for years to come I am Cortney Nagel Im the associate marketing manager at the NF C C and Im joined today by Bruce McCleary first you wanna introduce yourself yeah hi Courtney hi everybody Im Bruce McCleary the vice president of marketing at the NF C C and looking forward to talking about some of these spooky financial topics for for October just a little bit of background about myself Ive been in nonprofit credit counseling in one way or another for about 21 years and I started as a credit counselor so I worked as a credit counselor for awhile before getting in on the on the marketing side of things and working with the NFC C and before that I have experience speaking of spooky stuff I have experience as a debt collector and I also worked for a number of years in lending specifically with with home equity loans so a littl