Because these credit agencies operate in the dark, they are allowed to be terribly unfair and unaccountable.

It's important and good to email the Federal Communications Commission, and it's important and good to educate your friends via social media about what's happening. But in a representative democracy, the way to get policy changes is through elections.

Millions of Americans have bad credit because of mistakes from credit agencies, and it can ruin lives, stopping people from getting a job or owning a home or car.

Brian Schatz Quotes