While I believe fighting for higher minimum wage is important , I also believe that when these independent credit reporting companies who seem to have very little if any government regulations are left to their own devices and decisions , groups , classes , races , etc.can be decriminated against . I have 2 late payments on my credit report and my FICO is not good at as a matter of fact it is very poor . This stops me from getting a business loan that will help create jobs . It keeps me impoverished because any loan that I do apply for is at such a high rate . If I have the money , which they know because of their debt to income ratio they keep . Why do inquiries have to stay on my report for 2 yrs. WHICH AFFECTS FICO MUCH ? Isn't their job to report if I pay my bills on time ?
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