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[Music] if i wrote you a symphony just to say how much you mean to [Music] all right so lets talk about bankruptcy so i wanted to make an updated video about bankruptcies because i think the last time i talked about this it was maybe like a year or so ago but um yes lets just cut the chase get right into it if you are new to my channel hi my name is mercedes go by mc make sure you subscribe to the channel if you are a returning subscriber thank you very much for all your support it is greatly appreciated now enough of that lets get into the video all right so i just want to start off by saying that lexus nexus is without a doubt the source all right so um the key here is instead of going directly to the credit bureaus um which im pretty sure a lot of you have already done um you know unfortunately you know we just we dont know like as a credit specialist you learn as you go and i realize now that you shouldnt go directly to the credit bureaus you should go to the source who is le