bring Credit Reform to the American people. Unemployment has been tough on the credit of many Americans. Please help.

Credit Reform is needed because many veterans and everyday Americans have been unemployed for too long. Many can't even get a job because of the job being unemployed has done to their credit rating. Everyone's credit rating should be at least set back to before the economy was in such bad shape. To be fair to the American people, the credit system should be overhauled all together as their are too many credit agencies reporting different information about credit consumers.