I've been exposed to the ludicrous US credit system through my fiancee who was affected by the Experian hack, and frankly, I completely get anyone who wants to

I've been exposed to the ludicrous US credit system through my fiancee who was affected by the Experian hack, and frankly, I completely get anyone who wants to see it all torn down. I find it ludicrous there are three different credit bureaus and they all seem to be equally incompetent for something as critical as an attempt to summarize a perception of your trustworthiness into a neat little file.