Do away with reform, or limit the abilities of the consumer credit system.

The consumer credit system is preventing the equality of the people of the United States. This credit system prevents many people from getting fair prices when buying cars, getting electricity, apartments and housing, and obtaining a fair an affordable interest rate on just about everything, to name a few. Everything is turning into a credit check, when often, these companies do not look at the loss of jobs in these troubled times, nor if the credit damage was done by a spouse during a marriage, even before a divorce had taken place. For most, a bad credit score affects that person for many years to come, and even after the 7 year period because companies will find ways to add it back after the 7 year limit. The credit system is unfair! How is it legal to make the deprived pay more?