Zeuss

I agree with the comment from tom jefferson. How should be illegal that companies like utilities don't report to credit bureaus until you don't pay them. Yet you get no credit for all the times you paid or length of service you did pay. They provide services based on your credit; most times charging you a deposit. Someone has to do something about this; it's not fair nor does it make sense to me!

Really, I think someone needs to re-think the credit scoring system; it's your lifetime report card. Even with hard work, your efforts go unnoticed; it's all based on if you have money and whether you pay on-time; if you don't have money, who determines that? It's like you pay twice for the face you are not working! When you loose your job, you have to deal with that and most times, don't have money to pay your credit cards - - With the economy and all, no one has a true handle on how or when they receive money. Most of us work pay-day to pay-pay praying to keep our jobs.