For decades, numerous academics, consumer advocates, and legislators have pointed out the importance of consumer credit scores on individuals’ ability not only to obtain credit, but also on housing and loan affordability. The fact that the three credit reporting companies, Equifax, Experian, and Transunion, are practically an unregulated and unsupervised oligopoly, has led to a system that has had a destructive impact on millions of Americans and which is in dire need of reform for the good of all our country.