thousands are affected everyday by unfair lifetime credit score history. One mistake, a catastrophic medical event,temporary job loss , the list goes on and on. To be denied credit or a bad score which affects insurance rates(which is mandatory) ability to rent a house or apartment, buy a car at less than cutthroat interest, can and does pretty much shuts a person's life down. There is a better way. The old way. You talk to someone face to face. this allows you to discuss facts and be given consideration concerning past and present circumstances. The main benefit from credit scores goes to the lenders and huge corporate malignancies. It allows them to skim off the cream while doing nothing for citizens or economic flow. Interest rates on low credit scores are tantamount to loan sharking...which is a crime. Dress it up in a nice suit and it is called business. We are frozen in the grip of an unfair lending practice crippling many in their efforts to move forward.