#1.The current rating system is outdated, inaccurate. and obsolete.If there is a mistake on you credit report it is impossible to get it taken off without the help of a lawyer which should not happen when they have our social security numbers and should be able to distinguish between two different people by using this information.Yet it is a nightmare to get corrections made. #2. Prior crimes cannot be used against you in a case of Law yet prior credit mistakes can be used to discriminate against you and force you to pay higher interest rates, payments,(auto insurance)and fees.This seems specifically discriminatory to low income people and single parents.# 3. Credit is not always a determination of character, just a lack of resources and should never be used to determine hiring status.
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