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house Bill H.R. 5332

Should Credit Reporting Bureaus Create a Single Online Portal for Consumers to Access Their Credit Reports & Scores?

Argument in favor

Given credit reports’ importance in many aspects of consumers’ financial lives, it’s essential that they reflect accurate information and be easy to access. Requiring the three major credit reporting bureaus to work together to create a single online portal for consumers to access and correct errors in their credit reports and scores would give consumers more visibility in, and control over, their credit scores.

jimK's Opinion
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06/28/2020
These services are provided already by organizations contracted by banks to support their wealthier clients. It is kind of a no brainer to just expand the current, mostly automated services, to be available for the general public. Many offer side by side comparisons of credit scores and the factors that increased scores and those that decreased credit scores. If a creditor has dinged your record with one reporting agency and not the others, look up the details and file requests with the credit agency to correct errant records. The costs should be minimal since these effective credit agency aggregating reports and summarily services already exist. The ability of people to see their credit scores and the factors which influenced the scores should help everyone catch reporting errors and to be a little more financially responsible.
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Leslie's Opinion
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06/28/2020
One stop shop Dashboard with all details available to contact any incidents listed!
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AaronEdward's Opinion
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06/28/2020
I am tired of competing with this f’d up system! Give me free access to the score that am being graded on.
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Argument opposed

In eliminating negative, but useful, information on credit score reports, this legislation would make such scores less useful to financial institutions and others that seek to use consumers’ credit scores to evaluate their creditworthiness and suitability as renters or borrowers. Additionally, this legislation gives the already too powerful Consumer Financial Protection Bureau’s (CFPB) even more authority.

frostyone's Opinion
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06/28/2020
It’s called Credit Karma. Its a website. It’s free. You socialists should love it
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Brandon's Opinion
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06/28/2020
Due to security concerns and the amount of information consolidated of every tax paying American into one of the “juiciest” targets a cyber actor could imagine, I believe keeping credit information in separate privatized data centers the right move at this point in time. If credit were to be consolidated it should be at the discretion of each individual American opting into aggregating their credit information into a single government mandated database. If one chooses to view all of their credit information into a single format there are plenty credit monitoring businesses that help with that and usually offer additional identity theft tools and insurance to keep them safe and insured. If the government were to step in and impose legislation as proposed here, it should be by standardizing, mandating, ensuring, and verifying credit agencies are adhering to the latest and most secure practices in cyber security available both at physical data centers and digital encryption whilst respecting privacy sharing standards.
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Caren's Opinion
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06/28/2020
No, we don’t need anything more that works against the consumer. It already seems these credit bureaus already work against and penalize consumers as it is. With those who said yes, I have to wonder if they read the information stated especially in the yes and no section.
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What is House Bill H.R. 5332?

This bill — the Protecting Your Credit Score Act of 2019 — would direct the three major credit reporting bureaus to work together to create a single online portal for consumers to access their credit reports and scores.

The portal would be required to:

  • Provide free and unlimited access to a customer’s credit reports and scores;
  • Allow customers to initiate and resolve disputes with credit bureaus; and
  • Give customers access to see to whom credit bureaus have sold their data in the past two years.

Additionally, this bill would direct the Government Accountability Office (GAO) to examine the most secure and accurate marker to track a consumer’s credit, whether with a Social Security Number or another federal identifier.

Impact

Consumers; credit reporting bureaus; consumer management of their credit reports and scores; and the Government Accountability Office (GAO).

Cost of House Bill H.R. 5332

$15.00 Million
The CBO estimates that this bill would cost $15 million over the 2020-2025 period and $25 million over the 2020-2030 period.

More Information

In-DepthSponsoring Rep. Josh Gottheimer (D-NJ) introduced this legislation to direct the three credit reporting bureaus to work together to create a single online portal providing free, unlimited access to credit reports and scores as well as the ability to easily initiate and resolve disputes with credit bureaus. In remarks at this bill’s House FInancial Services Committee markup, Rep. Gottheimer said:

“There are three companies in the United States that literally hold the keys to deciding Americans’ credit fates, on whether you should get access to credit -- what you pay for a car, whether you can get a mortgage for a house, the rates on a credit card, and how much you can receive for a small business loan. Each of these credit bureaus come up with their own magic number: your credit score. They have their own secret formula, and it’s up to you to track it, beg them to fix inaccuracies when they arise, and deal with data breaches when they occur, far too often. My bipartisan legislation asks the private sector — not the government — to help fix this, because, as you all know, I believe that the private sector is the best solver of problems like these. My bipartisan bill sets up a one-stop shop, online portal to check your credit report, for free, at any time. It allows victims to shut off the ability of credit hucksters from using your information to apply for credit under your name… By creating this one-stop portal, all three credit bureaus will now have to work together, to help protect you and make your lives easier, not the other way around. My bipartisan legislation will help fix this, and help Americans protect what they have spent a lifetime building — their credit.”

New Jersey Citizen Action supports this legislation. Its Executive Director, Phyllis Salowe-Kaye, says:

“Credit reports and scores play a critical role in the life of any consumer. But under-regulated Consumer Reporting Agencies too often report inaccurate credit scores that can cost anyone thousands of dollars in higher-priced credit, or result in the denial of a job, insurance coverage or an apartment rental. The Accurate Access to Credit Information Act will bring badly needed transparency and accountability to the credit industry.”

House Financial Services Committee Republicans opposed this legislation in committee. In their minority views, they express the belief that this bill is “overly prescriptive,” with “the potential to jeopardize a consumer’s personal information” due to its reliance on Social Security numbers (SSNs) and lack of strong cybersecurity protections. Additionally, House Financial Services Committee Republicans expressed concerns over this bill’s expansion of the Consumer Financial Protection Bureau’s (CFPB) “unchecked power.” Ultimately, Financial Services Committee Republicans concluded:

“H.R. 5332 is another attempt by Committee Democrats to expand the power of an unaccountable unconstitutional agency. Moreover, the bill jeopardizes consumers’ personal information by expanding reliance on SSNs. Finally, the bill does nothing to address the long- standing cybersecurity concerns with credit reporting.”

The American Bankers Association (ABA) opposes this legislation. In a June 23, 2020 letter, the ABA argued that this legislation would “make credit reports less predictive and useful by promoting the elimination of negative but accurate information that will weaken the underwriting process and thus increase borrowers’ costs and reduce people’s ability to get loans.” Noting that the Fair Credit Reporting Act already gives consumers strong dispute rights and a framework for promptly resolving credit reporting disputes, the ABA further argued:

“H.R. 5332 will make it even easier than it is today for individuals to flood consumer reporting agencies and furnishers of information with false claims of inaccuracies that must be resolved in a timely fashion or deleted. The resulting degradation of the reports will reduce the ability of lenders to evaluate an applicant’s creditworthiness and ability to repay, which in turn will increase what consumers pay for credit and make it harder for many consumers, especially the underserved, to get credit.”

This legislation passed the House Financial Services Committee by a 31-24 vote and has the support of one cosponsor, Rep. Tom Reed (R-NY) (who did not sign House Financial Services Committee Republicans’ minority views in this bill’s committee report).

A range of customer advocacy and financial services reform organizations support this legislation. They include the National Association of Realtors, Americans for Financial Reform, National Consumer Law Center (on behalf of its low-income clients), Consumer Action, Consumer Federation of America, Consumer Reports, National Association of Consumer Advocates, and U.S. Public Interest Research Groups (USPIRG).


Of NoteThe Federal Trade Commission (FTC) has previously found that one in five consumers has verified errors in their credit reports. Additionally, one in 20 customers has serious enough errors in their reports to cause them to be denied credit or need to pay more to access credit. This tallies up to 42 million Americans with errors in their credit reports and 10 million Americans with credit report errors that can have life-altering consequences.

When customers find errors in their credit reports, it can take an average of three to six months to resolve credit report errors. Additionally, credit reporting agencies have been criticized for performing lackluster investigations in these cases and providing little additional documentation to parties seeking a consumer’s credit score.


Media:

Summary by Lorelei Yang

(Photo Credit: iStockphoto.com / alexsl)

AKA

Protecting Your Credit Score Act of 2020

Official Title

To amend the Fair Credit Reporting Act to ensure that consumer reporting agencies are providing fair and accurate information reporting in consumer reports, and for other purposes.

bill Progress


  • Not enacted
    The President has not signed this bill
  • The senate has not voted
  • The house Passed June 29th, 2020
    Roll Call Vote 234 Yea / 179 Nay
    IntroducedDecember 6th, 2019

Log in or create an account to see how your Reps voted!
    These services are provided already by organizations contracted by banks to support their wealthier clients. It is kind of a no brainer to just expand the current, mostly automated services, to be available for the general public. Many offer side by side comparisons of credit scores and the factors that increased scores and those that decreased credit scores. If a creditor has dinged your record with one reporting agency and not the others, look up the details and file requests with the credit agency to correct errant records. The costs should be minimal since these effective credit agency aggregating reports and summarily services already exist. The ability of people to see their credit scores and the factors which influenced the scores should help everyone catch reporting errors and to be a little more financially responsible.
    Like (104)
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    It’s called Credit Karma. Its a website. It’s free. You socialists should love it
    Like (37)
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    One stop shop Dashboard with all details available to contact any incidents listed!
    Like (44)
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    I am tired of competing with this f’d up system! Give me free access to the score that am being graded on.
    Like (43)
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    Yes, people should always have access & it should be free! It’s our credit.
    Like (23)
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    Due to security concerns and the amount of information consolidated of every tax paying American into one of the “juiciest” targets a cyber actor could imagine, I believe keeping credit information in separate privatized data centers the right move at this point in time. If credit were to be consolidated it should be at the discretion of each individual American opting into aggregating their credit information into a single government mandated database. If one chooses to view all of their credit information into a single format there are plenty credit monitoring businesses that help with that and usually offer additional identity theft tools and insurance to keep them safe and insured. If the government were to step in and impose legislation as proposed here, it should be by standardizing, mandating, ensuring, and verifying credit agencies are adhering to the latest and most secure practices in cyber security available both at physical data centers and digital encryption whilst respecting privacy sharing standards.
    Like (23)
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    Since credit scores determine the average consumer’s access to credit, the average consumer’s access to those credit scores should be easier and more transparent.
    Like (22)
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    YES! When I went about to purchase a home about 13 years ago it took me weeks to get my reports corrected; endless phone calls, some rude people, snail mail, and waiting and waiting!. It should not be hard and we should not have to pay to see our own information, particularly when so may decisions are based on the numbers!
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    100% yes. I have had my info leaked by anthem blue cross and quest. I was given free lifelock but still the easier to check your own credit .. the better.
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    It’s really difficult to get your credit score unless you have a credit card that has that privilege. So yes. A great idea.
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    As it currently exists, the system of navigating one’s own credit history is convoluted at best.
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    No, we don’t need anything more that works against the consumer. It already seems these credit bureaus already work against and penalize consumers as it is. With those who said yes, I have to wonder if they read the information stated especially in the yes and no section.
    Like (12)
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    I find it odd that the majority of people that say no to this legislation are insulting the people who said yes. There is a legitimate argument to be had here. While I think this should be established, there are some security and regulatory concerns that need to be addressed. Just because someone is for something doesn’t make them a fascist, or a socialist, or some sort of demagogue. If you disagree, make a legitimate argument based in data and facts, not opinion and judgement.
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    Who needs a credit score report when everything is going to be free? Right?
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    Just like the first 3 months of the pandemic, trump and cohorts continue to tell us they are doing a great job as the numbers break every record made from back in April. The trump administration is sitting on 14 billion in Corona virus funding at the same time they are closing 14 testing sites. 7 of which are in hard hit Texas and everybody said he was joking when he said he wants to cut testing because the numbers are to high. Russia has targeted coalition forces in Afghanistan. Offering bounties to those who would attack American troops. Our intelligence has known for a few months which means if trump read his security reports. He knows to. “I was also told that the acting U.S. Attorney was giving Stone such unprecedentedly favorable treatment because he was ‘afraid of the President.’ ” Aaron Zelinsky, one of four prosecutors who withdrew from the Roger Stone case because of extraordinary interference from the justice department. U.S. attorney Geoffrey Berman fired. I don’t guess I need to go into detail about how trump hates law and order as it pertains to himself. trump asked president Xi for help in the 2020 election. Bolton says he was so alarmed by Trump’s determination to do favors for autocrats such as Erdogan and Xi that he scheduled a meeting with William P. Barr in 2019. More than half of all federal civilian law enforcement right now is being led by temporary acting officials, everything from ICE and CBP to DEA. (That calculation doesn’t even count the thousands of special agents in inspectors general offices that have recently seen an administrationwide purge of the government’s watchdogs.) The Bureau of Prisons was being overseen by an acting director last summer when Jeffrey Epstein managed to commit suicide while supposedly under strict monitoring. The DEA, with its special temporary powers for the protests, is currently led by an acting administrator who has been on the job for just days. Law enforcement agents seized hundreds of face masks that read “Stop killing black people” and “Defund Police” that a Black Lives Matter-affiliated organization had sent from Oakland, Calif, to cities including Washington, St. Louis and Minneapolis. It’s not clear what law enforcement entity seized the masks or what they're citing as a legal justification for doing so. Current and former U.S. intelligence officials express dismay at the parallels between events at home and the signs of decline or democratic regression they were trained to detect in other nations. D.C. Mayor Muriel Bowser (D) revealed Tuesday that she rejected an effort by the White House to take control of her police force. “The unprecedented request sent District leaders scrambling to head off what they regarded as tantamount to a government overthrow, The use of such aggressive force startled some veteran former officers of the Secret Service and other federal agencies, because it appeared to be rushed and unprovoked by protesters. trump used out of state officers under the false pretense of mutual aid, to clear out peaceful protesters 30 minutes before curfew started for a fucking photo op. They removed a priest from the church, shot kids with rubber bullets just to hold up a bible in front of a church he wasn’t invited to. Deplorable Black Lives Matter! If you only raise your voice to criticize the reaction instead of the cause. Your part of the problem. trumps language, “thugs, when the looting starts the shooting starts” is directly taken from racist of our not to distant past. He chooses these words intentionally. It’s not the first time. Please if you doubt me, research it and learn. Wuhan tested 9 million people in 10 days. So we know it’s possible. trump spent Memorial Day weekend playing golf and tweeting lies about a deceased woman. As we pass 100,000 American deaths due to the pandemic and on a day we should be remembering those who have fallen protecting this country. trump disgraced the position he holds, the country he serves and the people who have died defending it. 36,000 Americans could have been saved if social distancing would have been put in place just a week earlier. Imagine what we could have done as a country if we had done something, anything in January. trump said Linick’s removal would be effective in ‘30 days,’ giving him time to wind down his investigations. But Linick has since been told that he is physically barred from returning to the State Department even to collect his belongings, complicating his ability to finish his work. This is where we are at in Florida: Late last Friday, the architect and manager of Florida's COVID-19 dashboard — praised by White House officials for its accessibility — announced that she had been removed from her post, causing outcry from independent researchers now worried about government censorship. Same late night firing pattern as trump has: trump continues to fire inspector generals as if every level of our government isn’t subject to over site and transparency. Nebraska has stopped reporting confirmed cases in our meat packing plants. Here in Florida the medical examiners were releasing coronavirus death data to the public. As they have in every health emergency since 1992 but the state has just made them stop. FL did not meet trumps own guidelines for reopening but here we are. More than a dozen times trump and his administration was warned about the threat of covid throughout January and February. Warned of the death toll, warned of the economic fall out and warned about China lying about the virus. All while trump himself praised China’s job dealing with the virus, said our economy was fine and told us not to worry he had it under control. trump couldn’t be bothered to use the Defense Production Act to prepare for this crisis but he will use it now to force workers back to the factories that had unsafe working conditions in order to handle and process our food. “Why did Maryland have to go to South Korea to get 500,000 tests”. The chances of a second wave are real likely especially since we still can’t test and trace cases like we need to in order to even try to get back to normal. States opening in spite of not meeting the recommended guidelines won’t help any either and then we still have to deal with all this: Vaccine expert Rick Bright is filing a whistleblower complaint, his attorneys said Thursday. Bright said he was ousted as director of the Biomedical Advanced Research and Development Authority because he resisted efforts to join President Trump in pushing hydroxychloroquine as a potential covid-19 cure. A preliminary study, which has not been peer reviewed, was posted that indicated hydroxychloroquine had no benefit in patients and was associated with higher rates of death. Nancy Messonnier, the CDC’s director of the National Center for Immunization and Respiratory Diseases, was removed from her post as her agency’s coronavirus response chief after saying publicly on Feb. 25 that Americans should begin preparing for “significant disruption” to their daily lives from this “severe illness.” trumps good old go to distractions: blaming immigrants for our woes and threatening war. All to distract from his epic failure of a response to the pandemic. WHO gave the U.S. real time live updates on the spread of covid right from the start of the outbreak. We have employees of the CDC that do a rotation with WHO. trump continues to repeat claims that their are beds, ventilators and tests for anyone who wants or needs them. That is not true, state after state still have not been able to get enough supplies having to compete against other states and sometimes being out bid by the federal government. trump stopped federal testing after making a bad deal and once again has left the country to fend for themselves. What the fuck did we elect the guy who said he alone can fix it for. But hey we do have the highest death toll now in the world, so winning I guess. Didn’t take long for trump to remove the inspector general who was to oversee the $2 trillion stimulus spending. trumps son in-law announced in a press conference that the national stock pile of emergency equipment and supplies is not meant for the states but for them. Within a day the official government webpage for the Strategic National Stockpile was changed to match his language. trump bragged about his press conference ratings and blamed nurses and doctors for steeling masks during a covid-19 public update. So with tests not working, not getting to the right places and no respirators. Don’t worry his ratings are great. trump’s administration has been withholding a Threat Assessment Report from Congress since Feb. 12 that warns the U.S. is unprepared for a pandemic. Against all advice trump continues to claim we will be back to normal soon and apparently now we are sacrificing our grandparents for the sake of the stock market. Here in the U.S. trump tells states to fend for themselves when it comes to medical supplies at the same time he writes a letter to North Korea offering them help. WTF U.S. intelligence reports from January and February warned about a likely coronavirus pandemic. In briefing notes trump crosses out corona and writes in Chines virus. He’s making this an us vs them (racist) issue. trump claimed Democrats were using the virus as “their new hoax,” downplayed the danger, repeatedly contradicted public health experts and spread falsehoods, such as saying the virus will go away when it gets warmer. Two weeks ago, Trump said the virus was “very much under control” and that the number of people infected was “going very substantially down, not up.” Soon, he declared on Feb. 26, the total number of cases will be “close to zero.” Stock market at a 12 year low and layoffs due to the Corona virus are just starting. Officials say the response by the White House to the Corona virus has been complete chaos. If you think Pence knows what he’s doing when it comes to the Corona virus take a look at how he handled the HIV outbreak in his state. The White House got rid of its top official leading the government response to a global pandemic and essentially folded up his office. This means no senior administration official is now focused solely on global health security. This year the White House proposed a budget that cuts money from the very health agencies that will be dealing with the coronavirus. The U.S. Justice Department moved Monday to drop its two-year-long prosecution of a Russian company charged with orchestrating a social media campaign to interfere in the 2016 U.S. presidential election. The stunning reversal came weeks before the case was to go to trial. Judge cites Barr’s ‘misleading’ statements in ordering review of Mueller report redactions. Iran has almost tripled their stock pile of low-enriched uranium and have blocked access to possible nuclear related sites all since trump pulled the U.S. out of the Iran Nuclear Deal. Why did the state department hold up the visa of a renowned German professor who was scheduled to teach a class on the rise of far right extremism. A senior intelligence official has warned law makers Russia wants and will likely help trump win re-election. We only know this because trump demoted him for it. Now that trump can do what ever, check out the list of criminal friends he has been pardoning or releasing early from prison. Like former Illinois governor who was found guilty of pay to play politics and former New York police commissioner who was being charged with tax fraud. As well as the former owner of the 49ers who’s state he wants to win this year. Federal judges have called an emergency meeting after Roger Stone case intervention. More than a thousand ex-justice department officials have called for Barr’s resignation and have called for staff attorneys to resist interference. trump has again interfered in a criminal case having Barr reduce the sentence of trumps co-conspirator Roger Stone, who was found guilty of lying to Congress and witness tampering. trump is running out of friends who aren’t in jail, being prosecuted or pleading guilty. $650 a night at Mara Lago and $17,000 a month at Bedminster is what the tax payers are being charged by trump for the secret service to stay at his resorts. We now live in trumps world where you are punished for speaking out against what is wrong, trump has removed Lt. Col. Alexander Vindman and his brother, as well as Gordon Sondland. 75% of Americans think there should have been witnesses and FOXs own poll shows half of Americans think he should be convicted and removed. 24 emails show trumps thoughts on withholding Ukraine aid and the Justice Department is refusing to release them unredacted. A congressional budget office says our deficit will surpass $1 trillion this year in part because of trumps 2017 tax cuts and increased government spending. trump told Bolton to withhold Ukrainian aid until they announced an investigation against his political rival. trump has rolled back parts of the Clean Water Act that would directly benefit real estate developers. Shit water for us, big buildings for him. trump has made it easier for our kids to eat junk foods at school instead of healthy alternatives because he is petty and does not care at all when it comes to our children. Marie Yovanovitch a U.S. ambassador was followed, threatened and then fired all at the direction of or directly by our president in exchange for dirt on a political rival from a Ukrainian prosecutor who didn’t like her because of her support for anti corruption groups. Russian spies hacked into Ukrainian gas company behind trumps conspiracies, again entangling Moscow in our politics. trump is trying to divert another $7.2 billion in pentagon funds for a wall that no one wants and wouldn’t work. Accused Obama of being week, pathetic and a bad negotiator so he was going to start a war with Iran in order to win re election. So much for bringing the troops home. 90 minutes after phone call with Ukraine president aid was withheld. Christianity Today now says trump should be removed from office. White House officials feared Putin influenced trumps views on Ukraine. trump, “I new it was Ukraine because Putin told me.” trumps inspector general report says FBI had authorized purpose to investigate trump campaign Russian ties. Three constitutional scholars have stated trump has committed, what is clearly spelled out in the Constitution of the United States, impeachable offenses. Attorney General Barr’s handpicked prosecutor says there is no evidence that supports Russia investigation was a setup or hoax. Why was bipartisan approved military aid to Lebanon held up for months by White House.(Jared Kushner has a lot of ties to that part of the world) Giuliani in talks to be paid by Ukraine official, while they were working together to attack trumps political opponent. Donald McGhan ordered to comply with subpoena. Bolton’s next:) Devin Nunez met with Ukrainians and directly pushed for Biden investigations. The meetings were set up by Giuliani’s Russian criminal friend Lev Parnas. Sondland was on a “Domestic Political Errand.” Was there a quid pro quo? Sondland, “Yes, Everyone was in the loop”. David Holmes, testified that Ukrainian officials “came to understand what was required” in order to get military assistance and a meeting with trump. U.S. ambassador to Ukraine felt threatened by trumps remarks and was threatened by trump while testifying. Long time friend and confidant of trump Roger Stone, found guilty of lying and witness tampering. trump has asked the Supreme Court to keep his taxes hidden. So, no more separation of powers in the government? trump sought status of Ukraine investigations showing aid was depended on the investigations themselves. trump complains that witnesses all speak from 2nd and 3rd hand knowledge yet ordered Mulvaney not to testify. Laura Cooper testified that the Pentagon sought clarification from the trump administration about the hold up of the Ukraine aide and received none. A second person has said they reported sexual misconduct involving a former doctor who’s been accused of sexually abusing nearly 300 men over a 17-year period to Rep. Jim Jordan (R-Ohio) Ukrainian President Volodymyr Zelensky and his staff felt they would not get the millions of dollars in aid money without publicly committing to launch the investigations Trump wanted. Senior trump administration officials considered resigning en masse in a ‘midnight self massacre’. State Department official says Giuliani was engaged in a campaign ‘full of lies and incorrect information’ about former ambassador. trump has issued pardons for two soldiers being tried for war crimes and returned rank to a soldier who took a selfie with a dead body. trump to pay $2 million for charity foundation misuse. trump wanted attorney general Barr to hold a news conference saying the president broke no laws on Ukraine call. White House official who heard trumps call with Ukraine president was told to keep quite. White House lawyer moved transcript of trump call to classified server after Ukraine adviser raised alarms. He has politicized our national security and has chosen Putin and other dictators over our own congress and security agencies. “I stated to Amb. Sondland that his statements were inappropriate, that the request to investigate Biden and his son had nothing to do with national security, and that such investigations were not something the NSC was going to get involved in or push,” Vindman adds. Lt. Col. Alexander S. Vindman, a top Ukraine expert on the National Security Council is testifying that trump demanded that a foreign government investigate an American citizen in exchange for Congresses approved aide. Just reached a $984 billion deficit while he lines his pockets with our tax dollars and foreign money at his resorts. $400 million in aide money was withheld from Ukraine back in August and Ukrainian leaders were told it was not red tape, that they needed to talk to Chief of Staff Mulvaney to resolve it and make a CNN statement about Biden in order to receive said aide. Rudolph W. Giuliani, the president’s personal lawyer, is running a shadow foreign policy in Ukraine that circumvents U.S. officials and career diplomats in order to personally benefit President trump. Igor Fruman and Lev Parnas. Look them up. North Korea just tested a submarine launched missile. Deserted our Kurdish allies who have been fighting ISIS with us and now are being slaughtered. All because he has a tower in Istanbul. “The Americans betrayed us. We do not trust them anymore,” she added. These used to be our Kurdish allies that stood against ISIS. He is refusing to comply with the law. He is using the power of the presidency to withhold aide to one of the worst humanitarian crisis on the planet in exchange for political favors in order to sway the 20/20 election. He is acting like a criminal and threatening the life of the whistleblower. Mr. America first is sending troops to Saudi Arabia in support of a murdering dictator who spends millions at his hotels and resorts. Corey Lewandowski testified to congress that trump ordered him to obstruct justice. He is blocking information that pertains to the safety of our country from reaching congress. He has been threatening NOAA, a federal agency, with punishment if they do not disavow the truth and side with his lies. He invited the Taliban to Camp David the week of 9/11. He is a #PussyAssBitch He’s doctoring weather maps to try and prove he’s not an idiot. He has stayed at trump properties 293 days in 3 years, that’s our tax dollars going directly into his pocket. He took money from military daycares to pay for a wall that won’t work and no one wants. The Vice President and the Attorney General are both spending tax payer dollars on trump hotels, lining his pockets and currying his favor. He has privately instructed aides to skirt laws and regulations to get the wall built faster — and told them he will pardon them if necessary. He is pressuring a government agency to give a contract for his wall to a company whose chief executive is a donor to one of his top GOP allies in Congress. He took hundreds of millions from 127 different projects (FEMA being one of those) for his wall. He thinks nuking a hurricane is an idea. He is host the next G-7 at one of his own resorts. Again our tax dollars paying him directly. He taunted Iran by tweeting a classified image of an Iranian rocket that had exploded, thereby potentially compromising U.S. intelligence capabilities. His own company would save millions from the low interest rates he is demanding. He was going to give you tax cuts through your paychecks but decided not to. This year the richest of us payed less in taxes than the rest of us. He is destroying the economy with HIS trade war. We will soon average a 1.2 trillion deficit. He is repeating NRA talking points on background checks so expect no action taken regardless of the fact there has been 27 arrested over threats to commit mass attacks since El Paso( NOT TOLEDO). He made fun of republicans being afraid of the NRA and then caved after a 30 minute phone conversation with them. He bragged about indefinite child detention because it brings families together. He is refusing flue shots, that protect us all(google influenza pandemic), to immigrant children. He is attacking fellow congresswomen in really disgusting ways and making anti-Semitic remarks about Jews calling them disloyal. He thinks he’s the chosen one based on a conspiracy theory web sight. He has: Obstructed Justice. Is profiting from the Presidency. Colluded - They had a meeting & lied about it. Advocated political & police violence. Abuse of power. Engaging in reckless behavior. Persecuting political opponents. Attacking the free press. Violating immigrants Right to Due Process. Violating campaign finance laws. Racist: Speaks directly to and often tweeting straight from white supremacists. Calls them very fine people. Told fellow congresswomen to go back where they came from. Called them shit hole countries. Called them murderers and rapists. Calls her Pocahontas. Took out full page adds calling for the death of five innocent black kids in New York, 1989. Literally has said in an interview he has Hitlers speeches, My New Order in his nightstand. Our Money: Spent campaign finance money on hush payments to silence a porn star he had an affair with in order to hide it from the voters. Has spent over $100 million of our tax dollars playing golf at his own golf courses. Has never divested from companies and advertises and profits off the White House. Was going to cut Medicaid and Medicare funding to pay for the tax cuts he gave to the rich. Is actively destroying farmers lives with his trade wars that we all know only hurts our pockets not Chinas. Has made the lives of every truck driver across America as well as our own, more dangerous by removing safety regulations that only benefits the pockets of the CEOs of those companies. Has removed any and all protections we had in place from work safety, environment, women’s rights, LGBTQ rights and gives that power back to the CEOs, oil companies, men and old white men. Saudi funded lobbyist rented 500 rooms at a trump hotel he never divested from right after he became president. Wonder why? Sexual Predator: Accused by more than 20 women of molestation and rape. Bragged about said molestation on tape. Has cheated on all three wives (see above). Has made sexual remarks on camera about his daughter. Belittles and bully’s women. Not even sure he’s aware he has two daughters. Idiot: Has allowed North Korea to grow there nuclear weapons program. Took the side of Putin over America’s own security agencies on the national stage. Lacks the intelligence and facts needed to communicate on a global level much less national one. Makes policy decisions based on FOX media. Lies when speaks. Doesn’t believe in science and quite often displays his ignorance of it. Russia: Lied about meetings with Russians. Lied about a trump tower Moscow. Personal attorney Michael Cohen (same guy who broke campaign finance laws under trumps direction) had contacts with russian officials. National Security aide Flynn resigned over Russian contacts. Jeff Sessions recused himself because of Russian contacts. Manafort resigned because of Russian contacts. Campaign foreign policy adviser Papadopoulos met with Russians then bragged about it to Australians who then turned that info over to our FBI. Sixteen campaign officials had contacts with Russia and at least nine others new about it. Russian mobster lived in trump tower. trump casino was flagged 106 times for lax money laundering standards and same Russian frequently stayed at trump casino. Has been selling real estate to Russians for years. It really is surprising how many connections to Russians this man has. Rick Scott, Marco Rubio, Bill Posey You are my representatives. OLC policy: The indictment or criminal prosecution of a criminal investigation of a sitting President would unconstitutionally undermine the capacity of the executive branch to perform its constitutionally assigned functions. It’s time to do your job. You swore an oath to this country, it’s people and me to uphold the constitution. The president has never upheld that oath. How do you want to be remembered?
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    Credit scores should be freely available to everyone and with no penalty for checking it. They should include all the factors used to determine the score as well.
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    JunnaLayn, I’ve been bitching for YEARS about the fact that we have to pay to see our own data! They should be paying US for allowing them to sell our data!!! How did this bullshit begin, anyway? Then, when Equifax is hacked AND ALL OUR DATA IS NOW OUT THERE FOR CROOKS TO SEE, what do they do? They offer us a year of paid security. I already pay for this option myself. I don’t need their pittance of a settlement. I want a REAL monetary settlement for their allowing such a thing to happen - like thousands of dollars, maybe, for their outright negligence! You go, JunnaLayn! Keep telling the Ignorants how it REALLY IS! What a fantasy world they live in. Trent, Blue Cross breached all my info, too. Same as Equifax. An “I’m so sorry, but I’ll make it up with this pittance I’m giving you” is in no way enough! Blue Cross screwed me and my husband over for years. This was just the icing on the cake. I would NEVER get insurance from them EVER again!
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    Yes, and it should be free or a very low cost.
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    Yes. I also think you should not be able to pay money to increase your score. Pay to get credit counseling maybe but not to buy a better score.
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    The credit reporting system is convoluted and hard for most people to understand. Using three separate bureaus and trying to gather information and making sure everything is correct is very difficult and time-consuming. I’m not sure if consolidating to one is the right answer, but I do think the system needs to be overhauled.
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