It has been said that "If youth had the wisdom of age, and age had the strength of youth" what a good trade off that would be. But normally when one is young you think you know everything and it is time, mistakes and experience that changes this. Our credit reporting system needs to be overhauled it is awful to see the commericals that deluge your TV everyday with offers to buy things at an extremely low prices, the only catch is you have to have AAA credit. How much more would our economy be improved, families riding around in a decent car etc., if they could purchase them. Change the derogatory reporting limitation to 7 years and at the end of that 7 years let one start all over again, if they mess up they must wait another 7, rather than having a negative report for your whole life.
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