Credit Score Rant

Rant: WARNING this got me so angry I might use some very strong language.
As if anything related to credit scores could get any worse. I heard that now some companies are thinking of looking not only at your credit score, but also at your history on social networking sites like Facebook and Twitter. The idea is to check out your associates and friends credit histories and compare theirs to yours. WT? Apparently some Creditors are Using Social Networks to check your credit worthyness. The idea is if your friend Joe Blow is chronically late with his payments then you might be also. Well if your friend Joe Blow had blonde hair and dyed it Pink and got a Mohawk then the chances are pretty good you would too. Right? Well that is the logic they are following and with a whole boatload of other things associated with your credit score THIS IS WRONG AS WELL.

First of all your credit score is oh so mighty and powerful, that without it you can't get bank loans to buy a car or house and now they are saying even getting a job can be affected by your credit score. UGH.

OK so there are thousands of commercials that say you need to know what your credit score is and you can get it FOR FREE. Well the catch is you can ONLY GET IT FOR FREE ONCE A YEAR! If you want unlimited access to YOUR OWN CREDIT SCORE you have to pay $7.00 a month or a year or some asinine amount to each of the 3 credit reporting companies. IT SHOULD BE FRACKIN' FREE 'NUFF SAID.

Oh and any creditor who wants to can check out your score any DAMN TIME THEY FEEL LIKE IT. AND YOU NEVER GET TOLD! Unless you start looking at your credit score yourself.

THIS SHIT NEEDS TO CHANGE. The individual should have access to their score AT ANYTIME. It's the CREDITORS SHOULD HAVE TO PAY $1,000.00 EVERYTIME THEY LOOK AT YOUR SCORE.

So Equifax, Experian and whoever else the BIG AND MIGHTY THREE CREDIT SCORE COMPANIES ARE PLEASE START GIVING ME MY FREE CREDIT SCORE EVERY MONTH AND TELL ME WHEN SOMEONE REQUESTS TO LOOK AT IT. AND CHARGE THEM, NOT ME TO SEE IT.

How long have credit scores been around anyway? It seems they have only been around for 20 or 30 years or less. Maybe I'm just too damn ignorant of what exactly the credit scores do or how they are collected, like millions of other Americans. If the crap is supposed to be so damn important than how come it's SO DAMN HARD TO FIND OUT and to correct if there is a problem. Worse yet why is it so damn hard for the victim of identity theft to correct the problem and straighten out their credit score, after having had their ID stolen.

I am beginning to think this whole credit score business should not exist at all. AMERICA LETS GET RID OF IT FOR A BETTER system that helps the individual and NOT THE BANKS or the CRIMINALS.