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hey guys Kristen no expert credit Suites welcome to my office so I just wanted to spend a couple of minutes going over validation of dot letters and the 8020 percentage so Ive received a lot of calls this week from clients or consumers who are being sued because they actually disputed something not my clients but people who actually did this themselves and now they have legal issues so the real basis of credit repair is that something can be removed if it is inaccurate unverifiable or incomplete and of course inaccurate right so that means that if you owe a company of some company one two three you owe company one two three five hundred dollars you know that the balance is five hundred dollars a state under credit report those five hundred dollars open data is correct the terms across the pipe is correct everything is correct on there Im including whether you made any payments on out your last payment payment date data last activity whatever it is if everything is correct if everythi