I've got a problem with the way credit scores are currently calculated that I'm trying to get Washington to acknowledge and look into. So far I can't seem to get anywhere with the folks from Missouri in Sen McCaskill or Rep Blunt. Maybe you can't help if you see value in my argument.
It seems to me that the system is flawed in that the only way one can currently maintain a good credit score is to agree to be in debt forever and be happy paying interest until one either no longer needs credit or until one no longer needs credit if you get my drift.
Since Electric companies, Phone companies, Cell phone companies, Insurance companies and others all want to check my credit in order to give me service or in order to decide what they'll charge me, why is it that they are not required to report my payment history to the credit bureaus. It seems only fair to me that if they want to check my credit they should be required to report my positive payment history and have that count toward a positive credit score. They certainly don't have any problem reporting the negative.