ADDRESS THE ISSUE OF CREDIT DISADVANTAGES.

There is a major problem in the US Economic system. That issue is CREDIT. With most American's suffering from negative credit ratings brought on by the misleading and dishonest practices of most banks and big business, the credit system once created to allow people the ability to purchase now and pay later has gone to a pay now and pay even more later because we will blemish your credit rating and history if you default even though we solicited your business by way of deceptive fraudulent practices. Its time that this issue is addressed at the federal level. There is no reason why the average American living on minimum wage can't be afforded a decent annual percentage rate. There is no reason for someone to suffer from bad credit for more than 7 years. We need a fix to this problem NOW.