So, for all intents and purposes, we managed the cost base pretty -- very strong and -- while also making those certain investments. We also managed our T&E expense and other controllable expenses that we have. And I think you can see that when you look at the relative performance of our operating expense in the quarter. What we also dealt with in the second quarter was, and you can see it just in the trends that we provided in the presentation materials. There was definitely a very high flow through to margin which resulted obviously in a very nice adjusted EBITDA performance for the second quarter. But we all believed that there was an opportunity to further strengthen the business, and that was in terms of accelerating topline growth, certainly ensuring that we could consistently compound at the levels that we had previously and even freeing up cost for further growth investments or for margin improvements. And in the pre-pandemic world, we were confident as a team that we could make the investments in Solutions, Operations and in Project Rise and still deliver against the margin trends that we'd established in the prior quarters. But it is clear that this is a critical new frontier for developing income solutions, rather alternative data solutions that everybody is going after.

And I think you'll see all three bureaus developing these solutions. We have numerous ideas to continue to innovate and provide them with support and solutions beyond just reselling our credit data and our trending credit data. You can see the recovery in volumes in particular in the U.S.and then in our international business might have been a little bit of a lag but some recovery there. Paying down debt is what creditors want to see most from borrowers, so the faster you pay down debt, the faster you’ll build your credit score. Transactions related to your debit card:Any transactions made using your debit card will not affect your CIBIL score. Most businesses will not open credit card or loan accounts without checking your credit history. If you have credit card bills, or loan EMIs, this could have an impact on your ability to pay them back. Think back to the origins of the credit reporting agencies. As we go forward though on cost, we said at the onset of the call, we are being very deliberate about taking the opportunity to invest back into the business. Under federal law, you are entitled to receive one copy each year from each of the bureaus - free of charge.

What might initially sound like a dream come true - that the government agency tasked with collecting your taxes thinks you are no longer alive - quickly becomes a nightmare for thousands of American consumers every year. Credit reporting agencies are private companies - their reports have no legal weight at all. Generally, the Fair Credit Reporting Act and California FCRA require that an ordinary credit account, collection account, or charge-off be deleted from your credit reports 7.5 years after the first delinquency. Since President Franklin Roosevelt signed the Social Security Act into law in 1935, Social Security has touched the lives of almost every American. This frustrating situation can have severe consequences for their financial lives. This includes information that should not have been reported due to time limits on the reporting of certain data. This is due to the fact that although he was for nearly 18 years Chancellor of the State there is no report of his decisions. Right now, because of the surge in volume due to the low interest rates, it's getting closer to 10% of revenues, which is certainly a helpful counter cyclical component at this point in time.

Any legally incurred debt, regardless of who currently holds the right to collect it, may be validly reported to, and listed by, credit reporting agencies such as Equifax, Experian, and TransUnion. In order to provide some of the Educational Tools to you, your personal information or data may be recorded or stored in the Educational Tools. All information sought by Police in the form is critical to any investigation and everything that is recorded is taken into account. Like Equifax, transunion dispute form has removed the offending page and is now conducting an investigation. Here’s the whole story on what happens when you submit a TransUnion dispute or a dispute at one of the other credit bureaus. "I’m the only one Rudy sent this to besides Jenna and Boris, so it’s not like a bunch of people know about it, but I don’t want to screw up our other efforts. One positive result of the Equifax data breach is that it led to the ability to freeze and unfreeze your credit report for free. And we're going to -- we're going to focus on that because I'm confident we're going to emerge from this, and I'm confident that we're going to be able to resume a solid growth trajectory, and it's just going to be better enhanced as a result of the work we're doing in these three areas.