We all know the 3 major credit agencies and that some lenders factor FICO scores into the equation. So as it stands, to have good credit, you need to monitor 4 "agencies". I heard that they are starting a NEW system with an alphabetical credit rating. Now let me ask you, why should we have to pay for 5 credit scores to find out how good our credit is? It's unfair, but there isn't anything we can do about it, right?