Reform the credit scoring system.

The "Managers" of the Credit Scoring Agencies are FOR PROFIT. This in itself is the greatest systematic error. This carefully crafted system is skewed in favor of the lender. The Fed Reserve Board conducted a study, resulting in a 300 page report. I did not find language in that study that explains certain aspects. Who ever said it was fair that one 30 day "hit" constitutes a "trend", shaving 50-75 points from your score. Who ever agreed that it should stay on there for 3+ years? The rules of the game were never officially "approved". Unfortunately, the "rules" send an abnormal amount of people into the sub-prime lending category for extended periods of time. Benificiaries are the banks and credit card companies with inflated interest rates. Tell your friends to sign this petition!