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[Music] negative credit cards right we all have them but guess what there is a way to delete the negative credit card from your consumer report let me show you so 15 usc 1681 a d2 b speaks on any authorization or approval of a specific extension of credit is not included in a consumer report so your credit card which is your social security card that is used under truth in lending is defined as a credit card 15 usc 1602 l right it defines your social security card as a credit card or credit device when you move over to 15 usc 1681 a d 2 b it speaks on authorization or approval of a specific extension of credit that came as a result of a credit card or a similar device is not included in your consumer report this is the law that shows you why the credit card or negative credit card in this and its not a part of your consumer report you control the narrative so you can get it deleted [Music]