I ordered my reports today through a site that promised to give me all three credit reports I think they work through truecredit which turns out to be a company run by Transunion. Desperately waiting to know the status but to be frank, I really hate the fact that these three agencies are doing. Recording our personal financial information and giving it away to the lenders so they have an excuse to charge heavy interest rates. What has my past spending got to do with what I am right now. I did spend recklessly in the past and missed out on a lot of bills, but that is the past. I am a new person now and I know how to take care of my finances. But all these changes will take years to reflect on my reports. So how are they reliable?

I really think that we need to move to a better system. They current system of credit reports is outdated and it sucks big time! I hope at-least a few people here agree with me.