The FACT Act of 2003:  Notice and Request For Public Comment On the Effects of Credit Scores and Credit-Based Insurance Scores on the Availability and Affordability of Financial Products #514719-00069

Submission Number:
514719-00069
Commenter:
Harlie Hamilton
State:
South Carolina
Initiative Name:
The FACT Act of 2003:  Notice and Request For Public Comment On the Effects of Credit Scores and Credit-Based Insurance Scores on the Availability and Affordability of Financial Products
I as a consumer believe that the credit score system is a bad mistake.They are many people who has paid on time for all their lifes and still have different scores.They have scores changing each day whereas the consumer has to check their score before applying for credit.Im subscribe to a credit score alert program and my score changes every day almost for no reason that I can see.All the trade lines are the same one day and the same the next week and my scores drop for no reason.Its unfair to the consumer.Experian credit report agency is the worst to deal with.I disputed a negative on sunday evening online and they verifyed it on the next day with no change.Now how can anyone do that in less than 24 hrs.Experian is not run proper at all,a consumer is treated like a dog when they try to talk to them and they dont follow up on their disputes. Thank you