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representing who? just so we have it for the record. you are representing the american insurance? yes, sir. thank you. mr. wilson, you provide them the information so what do you think? we haven t tried to study the specific question that you asked and we also agree that medical colleions should not be used in this course. but they are used in this course? they are not. and the reports they are. in the credit report they are. if someone fails to pay medical bill it has a derogatory impact on my credit report which is kind of a derogatory impact on my credit score. i m not going to you can t. it s not that you re not. really it shows up. in other words, mr. lson, if someone has difficulty paying a hospital bill and it goes to a collection agency does that show up on the individual s credit report? it will show stila gindin as a derogatory effect on eckert is work. it is not used in our scores. but it is used in the credit report. it s on the credit

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