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whats going on family its coach kim the credit chic and i wanted to come to you guys today and show you how to do a factual based dispute so for example were going to use a verizon account i actually took this from one of my clients actual accounts put it up on the whiteboard so everybody can see it a little bit of it is altered just for the sake of the demonstration so lets just get into it [Music] [Music] so the first thing that you want to do again is you always want to pull your credit report from identity iq if you can i actually am partnered with them i refer them a lot to all my clients actually um the reason why i do is because they actually use the fico scoring model and theyre really good because theyre try merge credit reports their three bureau credit reports come like this its nice and color coded um its easy to see its very easy to read um its not too bad on your eyes its like the data is very uniform and in unison there are a few online items on this side that