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so today were going to talk about how to remove late payments from your consumer report okay so go to 15 usc 1681 a and youre going to go down to two exclusions okay so lets go to exclusion youre going to scroll down and youre going to go to the exclusion so and then and it reads lets jump right into it exclusion except as provided in paragraph 3 the term consumer report does not okay it does not include catch the words it does not include a subject to section 1681 s3 of this of this title any so it does not include any report were down to i right now any report containing information solely as to transactions or experiences between the consumer and the person making the report boom what does transaction sound like transactions sound like a late payment that is a transaction on your consumer report law says your consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report okay so lets lets lets le