Rewrite the credit reporting laws so that they will do what they are intended to do . Report how one pays their bill .

These credit reporting companies report on everything but how u pay yo bills. Inquiries should only matter if one is over or close to their debt to income ratio .but they stay on your report for 2 yrs .In any case . Which affects your FICO .Can't get a car, house , or etc without paying crazy interest rates . Can't get a small business loan or franchise loan at all . How can anyone realize the American dream with these companies rules . I have had a Job since I was in high school served in the military 4yrs . I pay my bills on time was late on 2 bills because I was injured on my job . My FICO score is very poor . No grace for me with companies but when these companies get in trouble we bail them out . I know that may be good for the economy but bailout for the average American is good