The Crappy Credit Reporting Agencies and Financial System | Non Humor

The Crappy Credit Reporting Agencies and Financial System
By Andy Alt / Political Dimensions

Aug 25, 2008 – I’m a little bit disgusted with how credit reporting agencies work. Equifax, Experian, and TransUnion may basically lick the decaying fecal matter out of my anal cavity, as well as the policy-makers who instituted this abhorrent and imbecilic method of discrimination toward people and of making stealing identities possible. Am I suffering from my mental illness again, or is it absurdly ridiculous that we now live in a society where it’s amazingly easy to destroy someone else’s credit, and where identity theft is supposedly very commonplace? (much money is “earned” now by offers to “protect and safeguard” one’s credit, so maybe identity theft is not as common as economists and money-makers would like us to believe.) If a person can work very hard, earn a living, but then have their credit and reputation ruined through no fault of their own, isn’t the financial system going against, desecrating, and crapping on the so-called American dream?

First of all, why should you have to pay for your credit score? If you’d like to use your computer, or your television, or anything that is “yours,” is it very usual that you must pay for it? Your credit score belongs to you, and my credit score belongs to me. It’s a matter of bull-defecation that I’m required by law to trust some stranger to store my financial data and yet I have to pay them to see my credit score. I don’t like to trust people, and I like to trust people less when my money is involved. We’ve apparently agreed to it when opening up a checking account (or anything else involving money), but what other choice do we have? From now on I shall deposit my money into my bun-hole, and if any agency or congressman would care to make a withdrawal I will welcome their input with great enthusiasm.

Second of all, credit is used for everything now, including buying a house or getting a job. That’s a form of discrimination. I’ll submit to the idea that sometimes it may be a high risk to to hire someone with a poor credit history, but to deny someone shelter or employment based on their credit report is tantamount to wiping your tush with the United States Constitution. Consumers are constantly being exposed to fear-mongering regarding identity theft, and yet still the establishment feels they have the right to pass judgment on a person based on the content of their credit file. If society doesn’t want people to sidestep, break, or abuse laws, then perhaps it should start treating people with respect and justice, and not send mixed messages saying one minute, “work hard, save, and you’ll get ahead and live the American dream” and the next minute “you could lose everything because of a Social Security number we’ve assigned to you and which you are legally obligated to use.” If a hard-working person gets laid off and goes into debt to support oneself or one’s family for one year, one’s credit will potentially cost him or her possible employment, thereby creating a circle fatter than my ass. Is it any wonder people lose hope, become homeless, or turn to crime in desperation or because they lack faith in ever being treated with justice? Give people hope that they’ll be treated fairly and not like goats or sheep, and give them hope they’ll be able to keep what they’ve acquired through honest means; a feeling of hopefulness, not hopelessness, will go a long way to increase morale and the incentive to be a “good” citizen. Or they can grow up to become congressmen, or senators and enact moronic laws.

Thirdly, the worst part of the incredibly block-headed and shitty way credit reporting has been implemented and used: “If you find an error or would like to dispute information, please write to us….” then “Fuck you” is my reply. If they’re going to store something as sensitive as my financial information, employment history, and places of residence, then it’s they who can call me three times a day for the rest of my life to make damn sure they’ve got my records straight. If that can’t be done then they’ve got no damn business doing what they’re doing when the consequences could mean bankruptcy, incarceration, destitution, starvation, or homelessness.