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Maybe if the lovely gov. would start by changing the way loans are based on credit scores, the banks could actually loan some money....
Prime example.. I have a 40 yre old friend. In 1990 someone applied for a $5k credit card in his name... It is only supposed to stay on his credit report for 7 years, but each time it is disputed, another company buys it, lists it as a new debt then whatever he has done in the past year to get rid of it it comes back and slams his credit sub 600 which makes him not able to secure a loan.
He has been at his current job for 8 years and makes $70 k a year.. But because of one thing.. one thing that many years ago, he cannot buy a house... OUr credit and banking system are retarded...


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