It is difficult since the housing crisis to restore credit. One of the primary reasons is because many companies only report negative credit. They will not report good credit because that cost money. They will however ruin you credit as a retaliation. I want congress to pass a law that requires companies to post your ENTIRE credit history with them or none. As someone who has 12 credit accounts in good standing with only 2 reporting to the BIG THREE i find it nearly impossible to correct my younger credit misdeeds. This is an unfair playing field for the consumer. It allows companies to punish those whom has already been punished by losing their homes, cars, jobs ect..



