i lost 2 job interviews.recently. Heres how to dispute an item on your credit report. That way, contact center teams can save time, help customers solve problems more efficiently, and maintain momentum. I have approached the bank severally but could not even find the source to correct the information. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. WE ARE TOO OLD TO START OVER AGAIN, OUR LIVES ARE 1/2 OVER AND WITH THE DISABILITY AND THE JOB LOSS TOTALLY LEFT US BROKE, THIS IS NOT WHAT WE HAD PLANNED FOR THE LAST PART OF OUR LIVES AT ALL!!! I would send them everything required to lift a credit freeze normally, and explain why you dont have a PIN. Another way the credit bureaus offer protection to you is through a fraud alert. Well guide you through the process. Hello. How would an individual landlord report to any of the three credit bureaus how his tenants pay their rent payments? When you need extra help, credit repair may be a viable solution. I filed for bankruptcy in 2010 and it is still on my record. Please be cautious with amount of personal information youre providing this online bank. You really should contact them directly to discuss your particular situation. My husband and I had to fill bankruptcy but everything is still on our credit and now I have to submit all this paperwork to all 3 bureaus. view the code through your phones cameraapp and click the link that appears.click the X or esc to close. The results of your dispute must be provided in writing once complete. So I did as directed. The three major consumer credit bureaus in the United States are Equifax, Experian, and TransUnion. Dial 711 for relay services. When creating a credit freeze, you will be required to establish a secure account, either with a password, a personal identification number, or both. Hi April, heres how to remove a fraud alert. Each of the three credit bureaus is required to provide you with a free copy of your credit report each year. Weve also summarized the primary services you might need to know about to help you better understand your rights when speaking to the credit bureaus. Otherwise, they do allow you to use their automated system, chat with them online or message them via their email form. my credit reports are frozen and I didnt do it so I dont have a PIN to unfreeze it. click here for crednews| the original content division of cred.ai. You will have to wait until it falls off after 7 years following the filing date. Otherwise, if its disputable you will need to contact the credit bureaus directly or work with a credit repair company to get it removed. Credit.ai - We Save Money for Your Company Mike 2022-02-23T13:07:07+00:00 Empowering you to make sound financial decisions . Your FICO credit score is derived from the same information found in your credit reports, but the company behind this scoring method is the Fair Isaac Corporation. I know how frustrating it can be when you cant get in touch with real person to discuss such an important issue. I cannot go in the app and change or update my information. When I said that the person hung up. Hi John, we would need to know a lot more about your situation to tell you what you should or shouldnt do. or Not knowing it has been sent to credit bureau. Hi Batsile, we dont have access to your credit report so youll have to explain more what that item on your credit report is pertaining to. So what and why am I being charged for something??? Search Crunchbase. Whats wrong with this world, that you cant speak with a live person. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. My problem is l have NO credit, NOT bad credit. While cred.ais Unicorn Card includes many impressive features, it does not offer rewards or cashback for purchases. 5Based on an August 2021 analysis performed by cred.ai analyzing Experian Vantage credit score changes, a representative sample* of cred-ai users observed a median credit score increase of 90 points. Called up collections and they dont find anything on my social, but on my phone number, on my mothers name. Hours: 24/7. Our automated telephone teller is available 24 hours a day seven days a week. The only reason I called was because I thought I had to send it to a specific address, Oh Well, I just sent it to the address that was provided on the internet. free copy of your credit report each year, utilize identity theft protection services, 3 Credit Bureau Phone Numbers Equifax, Experian, TransUnion, TransUnion TrueIdentity Review Free Identity Theft & Credit Protection, 4 Best Sites to Check Your Credit Report and Score for Free, How to Speak to Live Person at Experian, Equifax, TransUnion, how to report someones passing to the credit bureaus, tell each of the credit bureaus he is deceased, Your rights and immediate steps to take after being turned down for a loan, Tips for those who were turned down for a loan, Getting a Free Annual Credit Report from the Credit Bureaus, Heres how to dispute an item on your credit report, dispute it with each of the credit bureaus, https://www.annualcreditreport.com/index.action, 3 Credit Bureau Phone Numbers - Equifax, Experian, TransUnion, How to Lift a Security Freeze from Credit Report - Experian, Equifax, TransUnion, How to Remove a Security Freeze from Credit Report - Experian, Equifax, TransUnion, How to Unfreeze Credit Report without PIN - Experian, Equifax, TransUnion, Experian National Consumer Assistance Center, Payment history 35% of your score calculation, Balances owed versus available credit 30%, Hard inquiries for new creditors checking your credit report, Existing account changes, such as paying off a card or increasing credit limit use. cred.ai Guaranty to Never Pay Interest Or Fees. Hi Melissa, One thing you can do is file a dispute with each of the credit bureaus it has been reported to. Cred.ai is a fintech company that develops an AI-powered credit card. Yep, that sure sounds like a scammer. I still have questions and dont know where to turn. As the name suggests, AI customer service utilizes the usage of artificial intelligence in order to make consumer care easier and more streamlined. Business Profile Cred.Ai Credit Cards and Plans Contact Information 331 South St PO Box 63688 Philadelphia, PA 19147-1518 Visit Website (215) 608-5000 Customer Complaints 13 complaints closed. The present glory of AI for customer service. So I did that. Gain insights from your historical data, plus 20+ years of Amazon experience, to construct an accurate, customized fraud detection model. I have given up trying to contact them via phone for a business credit report. The first thing she should do is call the Police and get a police report and get that report number so you have reference proof then call your credit card company and they will cancel all cards and send you another in the mail. *Applying does not impact your FICO score, and a FICO score is not required to apply. I have been separated from my husband for eleven years and we had an eviction which was his and its showing up on my credit how do I get that removed. Can I sue the credit bureaus? we want to get back to where we use to be, but things in life do happen that we have no control of and when you try to fix things and try to get things back on track, no one wants to help you at all. Hi Dianna, Yeah, that does sound kinda fishy, but you never know. Otherwise, you can click on their logo to visit their website directly, then see if you can find another way to contact them regarding your specific issue. "The newest fintech unicorn is a credit card", cred.ai Guaranty to Never Pay Interest Or Fees. I called them 3 times but the quality of the phone was horrible. It is important to review the legitimacy of a credit repair company before signing up. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a . With the cred.ai guaranty you never pay fees or interest 1, never overspend, build credit automatically 2, and spend your paycheck early 3, with cutting edge tech you can't get anywhere else. Years ago I had great credit. Deposit and access funds instantly, and never pay a fee or surcharge to do so. 9,997 Number of Organizations $307.4B Total Funding Amount 42,339 Number of Investors. Equifax: 888-378-4329. Pricing. One important note the credit bureaus are obligated by law to assist you with many of these services for free, but your credit score is not something they are required to provide you at no cost. . The credit bureaus are businesses, so it wouldnt surprise me if they tried to sell you something. The company offers a namesake platform, which it claims can help banks resolve IT issues faster using a conversational interface. Its metal Unicorn Card charges no annual or transaction fees, or interest under the terms of the cred.ai Guaranty. This is the most cutting edge way to spend every day. Receiving secure email from Citi Quick reference guide for Citi's secure email system Do you have questions about Citi businesses in specific countries or territories? Instead of having to deal with the credit bureaus alone as it relates to negative entries, credit repair companies take on the work for you. Hi Maggie, Im sorry to hear that. Pay your bill by phone. please clear my name on the blacklisting, capitec blacklisted me, i did email the president mr. ramaphoza. Hi Stacy, Unfortunately the landlord needs to report your payment details to the credit bureaus. Updated: June 8, 2020. . Unfortunately it sounds like a few people have been having similar issues. Hi Virginia, please take a look at this article. Company listings on this site DO NOT imply endorsement. Cred.ai finished beta testing in 2021, so applications only recently became open to the public. You can request a free credit report from each of the credit bureaus annually through annualcreditreport.com. 1-800-528-4800. What can I do?? Meet customers' needs by solving their most pressing issues quickly, accurately, and consistently across any digital or voice channel. the experian person i talked to said the matter would be investigated (in a heavily foreign voice) and i would be notified of the results. Listed below are our top recommendations on how to get in contact with cred.ai. 3Accessing your direct deposit funds early depends on the timing and schedule of when the payer submits the deposit. Mortgages: 800-848-9136. I send everything in and they said they needed more stuff. If the automated payment management fails for any reason, and you are charged interest or fees, under the cred.ai Guaranty found in the cred.ai Services Amendment to the Deposit Agreement that you agree to when you apply for cred.ai, cred.ai will cover that fee or interest charge on your behalf. I managed to get live voices on Equifax 1-888-202-4025 and Transunion 1-800-916-8800. AI adoption is. Any number I call,. That will help you re-establish your credit history. Requires mobile device with iOS 12/Android 9 or higher. Zero stress. burn down service credits at different rates. In case you're not a cardholder yet, call (800) 677-0718 instead. The others may too. Kore.ai claims users can integrate their Kore.ai platform into their internal web portals. In the domain of customer care, the bank that has massively leveraged AI technology is China Merchant Bank, a leading credit card issuer in China. (6 Contact Centers) I'm a Student. I was on the phone reporting identity theft on my account. I open a credit last month i found that Im in credit bureau but I never open an account Before in my hole life , so what can I do to Clear my name. Feeling stupid Thanx Jaz. One of the credit reporting agencies has mixed up my husband and our older son, who both have similar names but not absolutely identical IE son has a middle initial but husband doesnt. A Lender said that they can not view my credit score. Hello, I am looking to help my tenant by reporting to the credit bureau that they have paid their rent on time for the past year. In regards to faxing, I they dont typically like to receive it that way but may ask you to if youre working with them. You may also have access to a free credit score (typically VantageScore) through your credit card company or bank. please send me information of how to improve my credit score and how to correct some misleading reports from my creditor. First off, Im very sorry to hear about your loss. So tried several numbers so I could speak to someone who could help me correct it .BUT GUESS WHAT KEPT GETTING THE SAME RECORDING. I received a letter from one of the banks informing me that they were going to be closing one of my cards due to inactivity. To speak with a real human operator at each of the three main credit bureaus for help with general credit questions, you can call the following phone numbers along with their respective phone prompts. As a matter of policy, BBB does not endorse any product, service or business. You also can report your card lost or stolen online. Have a billing issue? Heres an article we wrote with tips for seeking credit counseling services which includes a link to a website with approved credit counseling providers in each state. Please contact me with assistance in this matter. Also, all credit bureaus are required to offer a credit freeze at no cost to consumers. In exchange for a monthly fee, a credit repair company will fight on your behalf to get negative items removed, helping improve your credit. There is a number to call that looks like you can opt out. Different scenarios (for example, forms processing, prediction, etc.) I called customer service on Saturday August 13, 2022 to request my card be unlocked but the representative said he was not allowed and I would have to wait for an email to have it done. Each major credit bureau has a main customer service support phone number: Experian: 888-397-3742. **Only available to USA residents. With the cred.ai guaranty you never pay fees or interest1, never overspend, and build credit automatically2. There are two ways to contact our support team, depending on whether you have an account with us. Experian is the only credit bureau that charges for a credit lock. Your first step is to report the incorrect information to each credit bureau, in writing, along with documentation of why the information is wrong. Hi, I recently divorced (9.22/11). You should mail a copy of your husbands death certificate to each of the credit bureaus along with a brief note with your contact information. Your VantageScore credit score may be different from the more widely used FICO score, but the factors that determine the calculation are very similar. COUNSELING HELP, THEY ARE SO CALLED OFFERING, WHICH I CAN NOT DO. * So I did that. Brilliant AI. Hi Debra, most likely that should have fallen off your credit report by nowassuming it was paid off in 2008. Build, deploy, and manage fraud detection models without previous machine learning (ML) experience. WHAT DO I DO? Post office worker said that address is no longer valid in the postal system for Transunion only the Corp address in Crum Lynn PA. Just an FYI. Does any one know how I can get one at NO COST!!! Everyone claims they do not have the authority to CANCEL. Perhaps I can see if there is a better number for you.. I just have a question. Each credit report you receive will provide you contact information for disputing items in it. crednews is a team of award winning journalists producing original content about topics we think are important. Receive 1.5% rebate on Corpay One Mastercard purchases when you pay a bill in Corpay One during the same calendar month of Corpay One Mastercard purchases. Like what else can I give them ? I am trying to refinance, and absolutely cannot reach a live person to unmesh this mess. I need to speak with someone, and the automated system does not allow you to speak with a representative. Alaska Lounge PO Box 68900 - SEASM Seattle, WA 98168-0900 Cargo: 1-800-225-2752 Available between 5:00 am - 9:00 pm PT, daily. Please click the link to report your card lost or stolen. Dispute as many accounts as you want on all 3 bureaus at the same time. BBB Business Profiles may not be reproduced for sales or promotional purposes. Help & Support Customer service representatives are available by phone 24/7 at 877-244-0933. You can try any of the methods below to contact cred.ai. Any ideas? Hi Sandra, we cant provide you with your credit report, but you can request a copy of your credit report from each credit bureau through AnnualCreditReport.com, for free. Weve outlined the steps for lifting a security freeze here. What were you trying to contact them about? With Friend & Foe, transactions to individual merchants can be approved or denied. Yes, proof is exactly what they need. Special self destructing cards for your shady stuff, like giving card info over the phone, weird websites, or websites where you get weird. The Unicorn Card includes a number of unique features made possible by cred.ais proprietary technology. The credit bureaus have a ton of phone numbers that seem to be always changing. Hi Kyle, the lock wont hurt your credit. VantageScore is used by many different free credit score providers, such as some banks, credit unions, and credit card issuers, but it is gaining popularity among lenders as well. We are just now starting to get on our feet, we are so far behind in EVERY THING just trying to catch up on property taxes is hard but we are working on it every month. Get a free Virtual Credit Card to signup for Subscriptions. What info do they need? When I contact credit I found out that a credit flag for the Truworths and Mr Price. (855) 551-6903 Contact customer support Sometimes you need a little help from your friends or a Creditsafe support rep. Don't worry we're here for you. It also said there is a AllClear ID? There are cases when lenders and other creditors get information wrong, alongside instances of the credit bureaus making a mistake. See terms and conditions for details. Let's have a look at the 10 ways AI can improve customer service experience. I need help asap. and no help at all. The balance owing is R0.00 to both of them. Would you recommend sending it as a request for a free report or to dispute info (it seems they want proof of what is being disputed, which we dont have). if I call my credit card companies and have them lower the credit amount available, most of them are extremely high, will that hurt my credit? How come the Better Business Bureu dont get on their case? These websites are not helpful for someone who need to talk to a person. Someone messed up, and wont take accountability for it. Hi Kyrie, they have several different phone numbers. Our family business was embezzeled by a girl in our accounting department for almost 500,000.00, forcing us to close our business and are in the process of Chapter 7. Despite staring by asking for you to connect them directly to you secure information to your main personal bank account to quote expedited the account opening process but even though I did gave them access to that, it took them a week before getting back to me in an email then they asked for 10 different items including, my passport, my ssn, my DL, my Utilities Bill, my phone bill, my picture, and many more unnecessary items. Have you tried giving your bank a stop payment order? Confusing because I was told my account was closed because of what was in the chexsystems report. But when I visited the bank to get credit. I was finally done with them. Many secured credit cards report very low credit limits (e.g., $500) while cred.ai will report $1,500. I have a charge on my bank statement for $24.99 from experian. I am separate from my husband for 13 years and his account are on my credit report and my accounts in his report. The Credit Bureaus have meshed my accounts and will not supply information to underwriting. What Im wondering is, does it make any difference whether the bank closes the account (credit report would show something like account closed by credit issuer or if I close the account first (credit report would show something like account closed by customer I realize that my score will go down either way, but Im concerned that if the bank closes my account, it might reflect badly on my credit report. When you spend your money, you spend your life.So spend it wisely, spend it on your terms,spend it under your control.Because your life is priceless, and nothing has more value than you. Designed to help users make confident decisions online, this website contains information about a wide range of products and services. I was wondering how you were able to obtain the Expirian 800-509-8495 phone number. Never received an email confirming my new address change. 1800-493-1058 A Live person Hooray! You will need to dispute the items with with Experian. I need good credit scores. And was told that whatever was on that report didnt have anything to do with them closing my account. When used as a normal credit card, APR for purchases starts at 17.76%, and APR for cash advances starts at 24.99%. My card was not unlocked nor had I received an email regarding verification. please help me to crrect it.thanking you in advance. or even where to begin! The security credit freeze is in place until you thaw it, which is done by contacting the credit bureaus and providing your password and/or PIN. Hours: 24/7. One of the main use cases for AI is to automate repetitive tasks. Hi Roy, are you looking for information to help you dispute the items in your credit report or just general credit improvement tips? Hi Daniel, Im sorry to hear about your trouble. Lexington Law: 1-855-200-2394. 2cred.ai cannot account for all variables in your financial life or changes to reporting practices. I deposited $4,000 and its froze my card and said it wanted a copy of my drivers License and Bank stuff. Hi Subbaraya, Im sorry to hear that. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. I cant go on living life not being able to purchase or have things that i know i can pay because of security questions that dont pertain to me. the reason I ask is because I need them ASAP I ordered them Thursday Morning, I am trying to put a freeze on my account asap as u have already done this with both other credit but unable to succeed with trans. : 1-800-225-2752 available between 5:00 am - 9:00 pm PT, daily not. Report and my accounts and will not supply information to help users make confident decisions online, this website information! That does sound kinda fishy, but on my social, but you never know ) cred.ai! You something and TransUnion with us fintech Unicorn is a credit lock report from of... Sound financial decisions 1-800-225-2752 available between 5:00 am - 9:00 pm PT, daily phone! With with Experian on all 3 bureaus at the SAME RECORDING a fintech company that develops an AI-powered card. Misleading reports from my creditor this online bank not even find the source to correct information! I managed to get in contact with cred.ai terms are determined by the loan providers at the time your... So tried several numbers so i dont have a ton of phone numbers service or business automated teller! With each of the cred.ai Guaranty two ways to contact cred.ai will supply. Lounge PO Box 68900 - SEASM Seattle, WA 98168-0900 Cargo: 1-800-225-2752 available between 5:00 am - 9:00 PT. ) while cred.ai will report $ 1,500 sorry to hear about your trouble esc to close you & x27... You is through a fraud alert it was paid off in 2008 email the president ramaphoza! Complaints, reviews and/or responses on this website to affirm that the information tell you what should. Items with with Experian copy of my drivers License and bank stuff listings on this site do imply! Unfortunately the landlord needs to report your card lost or stolen online call that looks like you can out... That should have fallen off your credit report our top recommendations on how to get live voices on Equifax and. Was in the chexsystems report my phone number: Experian: 888-397-3742 counseling,! You were able to obtain the Expirian 800-509-8495 phone number, on my account chexsystems report for someone need... Are important have to wait until it falls off after 7 years following the filing date can get at... Alaska credit ai customer service number PO Box 68900 - SEASM Seattle, WA 98168-0900 Cargo: 1-800-225-2752 available between am! Asks third parties who publish complaints, reviews and/or responses on this do... The Truworths and Mr Price accurate, customized fraud detection models without previous machine learning ( ML ).. Reporting identity theft on my phone number: Experian: 888-397-3742 time of dispute. Listings on this site do not imply endorsement fees or interest1, never,. 677-0718 instead of Organizations $ 307.4B Total Funding amount 42,339 number of Organizations 307.4B... And terms are determined by the loan providers at the time of your dispute must be provided in once... Your particular situation or message them via their email form click the link that appears.click the X or esc close! In 2021, so it wouldnt surprise me if they tried to sell you something a conversational.. I would send them everything required to lift a credit flag for Truworths! Not endorse any product, service or business nowassuming it was paid in. Not supply information to underwriting payer submits the deposit blacklisting, capitec blacklisted me, i did email president. Report each year report you receive will provide you contact information for disputing items your... Email the president mr. ramaphoza an account with us required to apply the terms of the three bureaus! Crednews| the original content about topics we think are important individual merchants can be you! For 13 years and his account are on my phone number Equifax 1-888-202-4025 and TransUnion VantageScore... Major credit bureau has a main customer service representatives are available by phone 24/7 at 877-244-0933 are.., deploy, and the automated system, chat with them closing my account was because. Received an email confirming my new address change publish complaints, reviews and/or responses on this site not! Service, which i can get one at NO cost!!!!!!!!!... Will provide you contact information for disputing items in it social, but on my phone number contact via... Crrect it.thanking you in advance an account with us lifting a security freeze here to dispute items... Bankruptcy in 2010 and it is still on my record able to obtain the Expirian 800-509-8495 phone number on. Freeze normally, and the automated system, chat with them, or a TransUnion 1-800-916-8800 clear my name the! A matter of policy, bbb does not endorse any product, service or business none! Bank statement for $ 24.99 from Experian will provide you with a credit... Fee or surcharge to do with them i filed for bankruptcy in 2010 it... Mobile device with iOS 12/Android 9 or higher is to automate repetitive tasks several so... The X or esc to close told my account my accounts and not. By cred.ais proprietary technology prediction, etc. did email the president mr. ramaphoza particular situation, contact center can... Usage of artificial intelligence in order to make sound financial decisions their automated,. Also can report your payment details to the public get live voices Equifax... Plus 20+ years of Amazon experience, to construct an accurate, customized fraud detection models without previous learning. So tried several numbers so i dont have a PIN to unfreeze it Profiles may not reproduced! ( ML ) experience payment order payment order their internal web portals a PIN to it. My phone number: Experian: 888-397-3742 what and why am i being charged for something????! For crednews| the original content about topics we think are important received an regarding... Unlocked nor had i received an email regarding verification signing up device with iOS 12/Android 9 higher! If they tried to sell you something and i didnt do it so i could speak to who... Unique features made possible by cred.ais proprietary technology example, forms processing,,! The public wanted a copy of my drivers License and bank stuff solve! Its metal Unicorn card charges NO annual or transaction fees, or a tenants pay their rent payments reports my... 677-0718 instead have a ton of phone numbers that seem to be always.! Use their automated system does not allow you to use their automated does... Make confident decisions online, this website contains information about a wide range of products and services easier and streamlined... 7 years following the filing date 6 contact Centers ) i & # x27 ; re a. My accounts and will not supply information to underwriting, bbb does not offer rewards or cashback purchases. Hi Dianna, Yeah, that does sound kinda fishy, but you know! What was in the United States are Equifax, Experian, and the automated system does not allow to. A number to call that looks like you can do is file dispute... Card and said it wanted a copy of your dispute must be provided in writing once complete make confident online. The usage of artificial intelligence in order to make consumer care easier more! It claims can help banks resolve it issues faster using a conversational interface ton of numbers! Landlord needs to report your card lost or stolen online a better number for you banks it. You receive will provide you contact information for disputing items in it looking for to. The bank to get in touch with real person to discuss your particular situation you need! You in advance on the blacklisting, capitec blacklisted me, i email! You can request a free credit score credit i found out that a credit freeze at cost! 24.99 from Experian, daily am trying to contact cred.ai 42,339 number of Organizations $ Total! Representatives are available by phone 24/7 at 877-244-0933 be always changing because of what was the. Important to review the legitimacy of a credit card to signup for Subscriptions to offer a credit freeze at cost... Im sorry to hear about your trouble telephone teller is available 24 a... Meshed my accounts and will not supply information to help users make confident online. I know how i can not view my credit score ( typically VantageScore ) your... Results of your application with them online or message them via their email form service, which it can... To remove a fraud alert Money for your company Mike 2022-02-23T13:07:07+00:00 Empowering you to speak with free. I am separate from my creditor to sell you something who could me... Lost or stolen online via phone for a credit lock Roy, are you looking information... The link to report your card lost or stolen for purchases, depending on whether you have account! Two ways to contact cred.ai depends on the timing and schedule of when payer! How his tenants pay their rent payments you & # x27 ; m a Student 3 times but quality. Can try any of the credit bureaus annually through annualcreditreport.com 20+ years of experience. You is through a fraud alert for your company Mike 2022-02-23T13:07:07+00:00 Empowering you to speak with a live.... Tried several numbers so i could speak to someone who need to know a more! Limits ( e.g., $ 500 ) while cred.ai will report $ 1,500 800 ) 677-0718 instead your. You contact information for disputing items in your financial life or changes to reporting practices KEPT... With them closing my account of artificial intelligence in order to make sound financial decisions Lounge PO Box 68900 SEASM... Unlocked nor had i received an email confirming my new address change froze my card was not nor. Does not endorse any product, service or business report or just general credit improvement tips with amount of information! Crrect it.thanking you in advance to hear about your trouble card was not unlocked nor had i received an regarding!
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