Abolish the Entire CREDIT SCORE NUMBERING SYSTEM. This will prevent abuse to the consumers and borrower discrimination.

Without a credit score to blame, there would not have been a housing meltdown, A single score we have no ability to preview, nor prevent entries or viewers to a number that we cannot change. Singling out a group and holding them to different rules is discrimination.
The entire scoring system is the reason that those of us whom are victims of fraud still cannot buy anything, ALWAYS the reason, the credit score.
Make FEDERAL requirements and document audits and SECURITY CLEARANCE before allowing any entries or views or claims for debts owed. There are other ways to insure creditors get paid for example Mortgages, deducted right from pay.
ONE CLEAN START PER PERSON.