Instead, you get companies that aren't penalized for fixing mistakes, even though they negatively affect you. The companies aren't technically deciding what se

Instead, you get companies that aren't penalized for fixing mistakes, even though they negatively affect you. The companies aren't technically deciding what services you are eligible for, and neither would the government - but they do give information to people that do. And they use a secret formula to do it. I don't know why you think that the government would do this with credit reports. I mean, all they have to do is pass laws to govern banking and declare that they need to not give folks with "bad credit" loans.