Thanks for mentioning this. Our credit reporting bureaus are traded on the stock market. How is this not a conflict of interest for the people? There is not one thing these bureaus serve except "BIG". It's a whipping tool. Over the last 2 weeks, I didn't make 2 credit card payments because their site went down (2 cards same company). Called the company to make the payments and couldn't cuz they didn't have access either. My score dropped 69 points. It sure doesn't go up 69 points when I make an on time payment. Then I got charged $39 per card. They did take off the late charges when I made the payments but it will probably take 3 months to get my score back up. I have to move within the month so this will cause me to pay additional fees cuz of a low credit score. These credit scores affect whether you get a job, what you pay for insurance. What a railroad nail in humanity's coffin for them and a frickin crock for humanity - welcome to the matrix