Overhaul Credit Reporting agencies and the way they get and keep wrong information.

Credit reporting agencies are one of the main reasons that Americans are limited in their purchasing power. The "Triad" can easily differ in the info they have on individuals, 80% of the info is incorrect and is on the report too long. It's the people who have to do the work to fix it even though they have no control over it's content. Any business can access your report and automatically reduce your score. Often to get it removed or contested, it takes months of letter writing to multiple parties and often involves a lawyer and a cost. Credit reporting needs to be overhauled, reworked, consistent, accurate, timely. Negative remarks should be removed within three years and not ten automatically without consumers having to do the work.