I think it should be the federal governments job to inniate guidelines that will serve as a platform for all state governments to follow and improve on. Like a minimum standard, so to speak.
I agree with the above comment that if you dont want to deal with CCC then dont...BUT IMHO...we basically have to. How else will someone ever be able to show enough creditworthiness without showing that they are creditworthy? They definately will not take our word for it, and that is not a bad thing in a lot of cases
. We have to have credit to get credit. It's that ole catch 22 that we are forced to deal with.
I, personally, dont need a single one of the CC that I have, from a monitary sense. I need them though, to establish and build my credit. Without them I would never be able to get a mortgage and without a mortgage, I would never be able to own my own home. So, I think the only way to beat the CCC is to be informed and play the game knowing the rules and on my terms when possible.