Now for ease of learning, I thought it would be beneficial to have some downloads for you so you can follow along. Some of the screenshots that I have are not as clear as I would like them to be. It would be preferable for you to download them all now, so that when I refer to them, you can pull them up quickly to follow along. They are the Fair Credit Reporting Act, the credit report, hard inquiries, soft inquiries tradelines public records and collections, the power to reinvent yourself when to pay a credit card bill and the credit report and scarring test. Now this is the end to section one. The next section is on the Fair Credit Reporting Act.