I want to change the way lenders unfairly cripple the consumers and use unfair tactics to increase the amount they charge consumers. Change how if you’re late one time your point decreases by a large amount but if you make several on time payments your score only increases by bare minimum. I want to change the fact that lenders literally have a way to manipulate the market to their advantage and consumers are forced to go along with their terms or else nothing when in reality the business needs consumers more than we need them. On top of this lenders are trying to use words in an attempt to manipulate people to apply for their cards or loans even when they know you will not be approved in an attempt to lower your score more then they can later use this to their advantage to increase a favorable term on their behalf against the consumer. It’s also funny how certain banks and federal credit unions can get away with no call recordings or nothing and lie on the phones to consumers to again get them to run their credit under false pretenses