The three credit bureas perform very unfair and even maybe discriminative practices. 1. What does they way you drive have to do with your credit . Your insurance rates should only be based on how you are as a driver. 2.What right do they have to lower my score because of inquires that people do without permission. 3. If you have credit card debt, you are punished if you or the Bank closes it because of inactivity, your punished. I am tired of these angencies deciding how long a negative can be put on my reports. 4. They do not help the consumer but seems to always help the creditor when a complaint is filed against that creditor. I am tired of unfair practices when it comes to good honest people's financial future. We need changes in these reporting angencies practices, because they are causing financial ruin in people.