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Hello Fibo, I don't understand the meaning of your posting with regards to MC owners not paying their fees. As you quoted, the class action settlement said that BG may not report merely delinquent accounts as foreclosures. However, it does not say that delinquent accounts may not be reported as past due, or that delinquent accounts may not eventually move forward into foreclosure proceedings. The emphasis seems to be on the accuracy of the reporting to the credit bureau. Do you understand this differently?