Posted On: June 7, 2007, 6:44 am CDT

Posted By: Mark P

You don't work with the general public do you? It's a fact, people that don't manage their finances (credit) don't manage anything else in lives too well either. Your system sounds easy but in reality it can't replace real data. Yes, there are exceptions and unforseen cicumstances that unfairly affect someone's credit. Hovever, the vast majority of people with poor credit histories know why they're to blame. Let's call it like it is - Your credit score, unlike race & gender, is within your control and can be improved. I know, I know, mistakes happen but for the majority of persons, it's an accurate measure of their "personal responsibilty". I'm sort of an advocate of personal responsibility. I deal with the public and hear excuses everyday of why something is always someone else's fault.