Investigate and Reform The System we have in place that Rates and Approves Credit.

We have a serious issue with identity fraud nothing is being done to stop it and protect consumers, our Representatives should consider this a security issue and stop this. If a mistake is made on credit reporting it is a nightmare, even impossible to get it corrected. These agencies can hold your credit and future hostage.This is wrong and should be addressed It is against our civil rights to be denied employment, discriminatory to charge higher rates due to prior credit. Insurance should not be priced according to credit rating.This is harmful, it makes it unjustly more difficult for low income and single parents to pay their debts.This is backwards and lacks common sense. We need reform that makes identity and our credit accurate, fair,safe,secure and should be used determine character.