I agree - this board is absolutely wonderful. I think that the credit scoring system is unfair - there should not be three agencies reporting scores. You don't have three criminal records for the same state or three traffic records for the same state. Furthermore, in the previous two instances, due process allows you the opportunity to state your case before your are penalized. The credit scoring system is the only system out there where you are penalized and "found guilty as charged" before being given adequate opportunity to defend any allegations against you. Incidentally and oddly enough, for most misdemeanor crimes (poss. marijuana, battery), you can have the conviction expunged after one year. But with credit reporting it is 7 years - way too onerous and obviously a system implemented by people who have never had to struggle in life. I really hope that whoever is elected president and our new congress implement changes to this system. I think it is up to us to put the pressure on them - arguing and debating amongst ourselves is great since it is useful but many of these issues need to be aired and presented to the people who we elect and whose job it is to propose and enact legislation to protect their constitutents.
All that to say, I really do appreciate the advice on this board but find it ironic and unfortunate that we are helping to fuel the very system that we detest by logging on to myfico.com and playing the game.
