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look lets talk about late payments now right because you just said that late payments are illegal theres somebody whos watching this who probably got 80 40 50 30. i hope not late payments out the wazoo and theyre trying to theyre hiring lexington law theyre hiring all these different people right to get rid of these late payments here you come on right dapper as therefore could be but youre saying late payments is illegal somebody may be watching thinking themselves how is that possible how exactly are late payments illegal okay were going back were doing research lets do it 15 usc 1681 a 1681 a there we go this is going to bring me to the fair credit report in that im here you should bring in the definitions rules of construct yeah go down to number two number two exclusions boom read it all right yeah read exclusions for me except as provided in paragraph the term consumer report does not include a subject what is a consumer report click on consumer report because we need