For millions of Americans bad credit is just scars obtained by lessons learned in life. These lessons haunt them for several years following. The Fair credit reporting act is not helpful for anyone except bankers trying to get rich. The credit rating system has had a strong influence of the downfall economy. It prevents people from getting jobs, housing and insurance, not just loans like everyone thinks. Yes it is important for investors to protect their investments but if it time for change. Lets make some changes. It's time to take that silver spoon and use it to feed our children and make it possible for everyone to live the American dream.
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