It seems an awfully long wait to ammend a 2003 guidline. Why is it that our government will not see the truth here? Credit rankings, FICO scores, they are destroying the American family. I realize that we are to be responsible with our funds, make wise investment decisions, etc. but more often than not, the corporations / banks create an unattainable the average income earning citizen. Regulation can work if we get the government weaned off of the teat of big business!
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