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want to welcome all you guys here I know itamp;#39;s been a long time since weamp;#39;ve done one of these and normally I try and do these during the week but my Thursdays have just been completely blowing up on me so I thought well weamp;#39;ll do this on Saturday and see you know if thatamp;#39;s a a good time for you guys as well and obviously a few of you have uh made time on a Saturday to be here so this will be our second part of our series on really identifying in the disputing credit report errors in either the credit bureaus will fix them or theyamp;#39;ll delete them or you can be in a position to sue them and so what we want to do with this particular session is not go over everything that we did before but just kind of quick summary and then get into how do we draft the dispute letter how do we like literally write the dispute letter and there is a template that I have for you and thatamp;#39;s something I mean I donamp;#39;t get you know multiple emails a day hey yo