I get access to 3 credit agency reports on a monthly basis. I find it interesting that they list different things in their reports and cite as negative factors debts that were discharged years ago, with no late payments or negative factors. Some consider it bad that I am not using more of the credit available to me. Some do not. I started the process of challenging the basis of some of the reported negative factors but it all got more involved than I cared to deal with. The ratings are not bad and, at this point in my life, I really do not care. However, in my younger days irregularities in my credit reports or having unknown factors that could effect my credit rating could have had very negative consequences, and may have had consequences that hurt me financially at the time. I whole heartedly support this legislation to keep our citizens protected from practices that can unfairly limit their opportunity toward their personal ‘pursuit of happiness’ in the manner our founders envisioned.