Reduce homelessness, enable people to work and raise the standard of living for everyone!  Credit records have been used by employers and landlords for years as reasons to fob off honest capable people.  But credit records really have nothing to do with your work skills or tenancy references!  It's not even part of employment or tenancy law.  So why are we giving up our rights to work and housing so easily??  Let's join other countries, put our hands up for social justice and make getting a job or a warm home to sleep realistically accessible for everyone.  Stop financial discrimination by restricting access to credit records for employers and landlords.