to change the current credit score methodologies into one consistent score.

Currently, I can pay many different websites to receive a "credit score." This score varies widely across companies, including the 3 major bureaus. Good credit scores are the gateway to home ownership, rental properties, transportation, and even employment. It is also use to discriminate. Many predatory credit collection agencies manipulate credit scores, listing old debt as new, threatening leverage to coerce consumers into paying for debts multiple times, preventing consumers from purchasing homes and vehicles. Many companies look for the lowest possible score to increase interest rates for those who can't afford to hire attorneys to clear their records, and many vulnerable consumers struggle under the burden of these inaccurate credit scores. The credit score system needs change.