The VA is a bureaucratic system FUBAR. This bill appears to be duplicating many of the things that they're already failing at. If I was going to write it, yes I'd stop the VA from reporting to or making any decisions from a LAW-ABIDING veteran's credit history/score until the agency gets its shit together. Then I'd invest money in better IT systems for the VA to make it more efficient. This is simply a bandaid to make the congressmen look good. Fire all current VA leadership and replace them with VETERANS who've proven high-aptitude and leadership in the medical, administrative, and IT fields. You can't polish a turd and the Commander-in-Chief should be held accountable for not taking promised action to get this system fixed.