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Ask it to wipe it from which it can do if it's disputed.

I have a payroll client who also pays some 1099 contractors.

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A credit default could be anything from an overdue payment on a loan, to an overdue utility bill.

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Some community-based organizations may make small loans to people, too.

And we do not live extravagantly or in an expensive area of the country.

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SEC Rule 15c3-3 imposes such severe restrictions on the lending of shares from cash accounts or excess margin (fully paid for) shares from margin accounts that most brokerage firms do not bother except in rare circumstances.