why is it that credit score companies are allowed to set your credit score at whatever they like and you have no control over what they say. If you are late or miss a payment it takes as little as 3 days for it to affect your score, yet if you have months or years of good credit, it can take up to a year for it to affect your score. the big 3 all total your scores differently so your score may be good with one and not the other two. and they can keep bad reports on your file for as much as 10-12 yrs.This is not anywhere near fair to consumers and its about time some regulation is put in place to make these companies stand accountable for this read full review »