CREDIT FAIRNESS FOR THE WORKING CLASS

Credit histories are working against the working class and for the banks, it is used on everything from jobs to auto insurance ,it has gotten out of control. With the extremely poor job that Credit Bureaus did rating Mortgages that were packaged as derivatives during the Financial Swindle that Wall street played on the US taxpayers ,& middle Class homeowners,short of a major overhaul the best thing we can do is reduce the Impact Credit Ratings have on Working Class Americans. Lets bring Credit rating usage back to what it was intended for , Credit ratings should be used only to check the Credit worthiness of those who are about to borrow money either from a Bank, Credit card Company or the Government,nothing else.