As Americans we first should stand up for our rights that are continually being abused. We for one are being sold and recycled like old money to the highest bidder. The secrets they keep about you are kept secret from you. Your personal information is yours and yours only it also should be controlled by you. We have a system set in place who gets billions of dollars a year to slander, harass and destabalize you as an entity. Your name and integrity are constantly slandard with no true help and your credit scores look like a stock market trading line. Reform should be clear and simple and it should go as followed.

1. No credit report and its information contained therein should ever be controlled by anyone other than the person of whom the information is about..PERIOD
2. No negative information should ever be entered on ones credit report unless it is absolutely verified you were notified and given the opportunity to object and fight its inaccuracy for 30 days prior to listing on credit report.
3. ONLY ORIGINAL CREDITORS should be allowed to report on your credit. The original signed with company vs consumer.
4. Third party debt collectors shall have no right to slander or communicate with credit reporting agencies about you as they have no legal contract binding their authority over you to do so. Third party collecting should be exactly as their entity states a collector, they buy old debts, they collect what they buy DUST AT 4.9 CENTS ON THE DOLLAR PER PORTFOLIO.
5. No credit reporting agency who holds the financial keys to your very life shall never outsource to foreign entities. After the Awan brothers scandal that statement should speak for itself.
6. The improperly served judgements that are happening all across America needs to come to a halt. No case regarding Credit matters should ever be before a judge unless it is proven without a shadow of a doubt that the notification to request or grant the judgement was noticed and served with the consumers own signature.
7. Once a negative line item is deleted it is forever obsolete and strict guidelines in place that it never reappears.
8. The credit reporting agencies are entities making billions of dollars a year using our names. Americans should be entitled to 10% of the share of funds it receives using your name. We are trade marked and documented with the social security administration.
9. Removal of negative items should not damage your score nor the changing of addressess or inquiry of credit.
10. No entity with out extreme permission from the consumer should ever have access to credit reports period. No targeted advertising no junk debt buying seekers NO ONE.
11. YOUR CREDIT FILE, YOUR LIFE, YOUR FREEDOM. NO ENTITY SHOULD HAVE THIS MUCH DOMESTIC OR FOREIGN POWER OVER AN INDIVIDUAL PERIOD. REFORM NOW FIGHT NOW PUSH NOW.
    Sincerely,
    Robin Castro