replace to current consumer credit system with a fair streamlined system .....end the big 3

We have 3 credit agencies in this country. most of the time the information is not correct and even inquiries affect the score.some employers even check credit scores, so in a time of high unemployment looking for a job affects my credit. just getting a car insurance quote. and so many other unauthorized activities can move your score without you even knowing it. we live in a world where people with money can't make a purchase because of their credit score and if approved they have to pay a much higher interest rate than some one with a better credit score for the same item now how is this fair to the consumer and it's so hard to navigate through the credit system that it's the biggest growing scam right now people who tell you they can clean your credit. not to mention I.D. theft