eliminate inquires effecting credit score. reduce reporting to 4 years. force companies to work with credit issues

Credit reporting companies are defeating the steps the Obama administration have created to help low income people gain the opportunity to home ownership. A number should not be used to categorize your family as a person. 7 years is to long to report things 3 years is more than enough. Trying to get a loan is hard enough trying to find the right one is harder especially persons with blemished credit and have suffered do to the economic change. inquires should not affect you score. late payments and companies need to be forced to cooperate with their clients and not immediately be able to put someone in default. companies need to remember who made them what they are and return the respect.