> If the agencies only passed information on I could see them maybe being allowed to pass, but since they calculate a number, they are now presenting new, inacc

> If the agencies only passed information on I could see them maybe being allowed to pass, but since they calculate a number, they are now presenting new, inaccurate, information. They have a responsibility to verify the accuracy of their data if they are going to create new data from it. Their responsibility is to their paying client, the lender, not you. I'm sure the lender would have a civil case if they were getting a lot of false reports and it was causing damages to their bottom line in missed loan opportunities.