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All right, today we are talking about the AJERO formula. And were doing this for a very, very simple reason. It was requested in my comments and a couple of different emails for me to break it down even more in one clip and make it so that even a fourth grader could understand exactly what Im talking about. And thats exactly what were doing. So if you have late payments, collections, foreclosures, repossessions, bankruptcies, judgments, tax liens, or anything else that you could possibly have have on there, like short sales or whatever, then this simple formula can be used to potentially remove that account. And I say potentially, because in this industry, theres nothing thats guaranteed and if anybody tells you otherwise, when it comes to forcing the Bureaus or the creditors or collectors to do anything, and its 300% BS I call BS. Alright, so the reason that were doing this right now is because I have a couple of people who wanted to purchase one of my books that breaks this