Credit Bureau’s have played God too much, and it’s time that we have some type of reform in their practices. Companies, Medical Facilities and other lenders prey heavily on the have nots, this causing even more issues for those trying to get out of debt. Furthermore, having an employer check my credit score is a violation of my privacy and has absolutely nothing to do with my work ethic. It only takes 1 emergency situations to ruin your credit for 7-10 years, and it shouldn’t be that way. I am embarrassed by Rep. Timmons for voting Nay. Clearly, he is about as out of touch with his Constituents needs than Graham. We must persist in creating a system that does not allow us to be victimized and threatened by 3 agencies. I’ve felt strongly about this since a Civics Class I took in high school. The Consumer rarely ever gets any type of justice, and anyone can add something to your report, and making it nearly impossible to dispute, or have removed. How about scam companies who trick consumers and then stick marks on credit reports? Why are they not being monitored, fined, and charged with criminal conduct? Voting No on a bill such as this makes it easier for them to prey on people, and even prevents hard working, educated adults from getting stable jobs.