Change the way credit and credit reports are done. The credit system makes no sense and needs an overhaul.

The credit system makes no sense. Its hard for hard working americans like you and me to get the things that we want or need in life all because you dont have good enough or not enough credit. And how can you get credit if you have no credit to get anything with? This also puts a stump on the economy because many hard working people who want to buy things they want and do there part in helping the economy by buying products but cant because they dont have any or bad credit. Many people have the money to get these things that require credit but are denied due to no have any or bad credit. We need a system, a better system, that will allow people with little or no credit or even bad credit to buy big purchases that they want and can pay for but cant get.