There are many business laws that does not give us fair rights. When parents like me who are already struggling to live on pay check to paycheck, every dollar in my pocket matters. Fees are everywhere and credit card companies have strict laws that are harder and harder to regain back your credit score. For instance, they have multiple strategy that calculates your score. They use trans union, equifax etc. Both companies will minus every debt you have individually. That push us down to our bottom score. Then here is the most unfair case, when you have an accident and admitted to the hospital. You will have multiple bills from one hospital. Way to push our credit down with separate bills. This is very unfair. Do not push us down when are already in the bottom. Stop lobbyist making laws.



