Re-vamp the FTC

The FTC punishes the American Citizens Credit Rating and reports by punishing the citizen for practice that do nothing but hurt and individuals report! Credit Agencies punish you if you close an account. They punish you if your credit account is older because you use it. They punish you if your a day late with no grace periods. They challenge you if you find an "error". They don't remove items that do not apply. They charge you for your own FICO scores. The FTC allows them to "get away" with everything and the American Citizen has no abilities to be involved in any way or form for what these agencies report. Because of possible questionable report, you can't get credit, get a mortgage, get an auto loan and can't get reasonable insurance rate so who is hurting here from these agency!!!