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Do credit bureaus WANT us to have bad credit?

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More disturbing is the is the reliance on "credit" to determine things other than one's ability to open a Macy's account i.e insurance, employment, housing -I even read of a judge who, in an effort to determine the "character" of people appearing in his court ran credit reports.

Look at cap1, for example and their refusal to report consumers high balance's with the intention of making them appear "less worthy" to competitors. It's the royal scam of the modern age and one almost has to play the game now for reasons I mentioned above.

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