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Today we are once again talking about how to remove really difficult accounts like Capital One, or anything where theres a bank involved, it doesnt matter if it is a mortgage, if its a repossession, if theres a bank involved, you know, for a fact, you cannot lie to me, you know for a fact that these things are really difficult. And if you dont know how to dispute them correctly, then youre not going to be able to get them removed in a reasonable period of time. And that is what were going over today. So look at your screen right now, I do have permission from this client to use this without blocking their account numbers, we are looking at a capital one charge off. Now as you can see, everything is all over the place, we have different date last active, we have a different date last paid we have a totally in congruent payment history. And guess what this is what factual basis building is we are using the information that they the credit bureaus to creditors, the collectors are