I don't mind credit bureaus as they ostensibly have a function. However, the current model is so anti-consumer, it's not funny. EVERYTHING is tilted away from

I don't mind credit bureaus as they ostensibly have a function. However, the current model is so anti-consumer, it's not funny. EVERYTHING is tilted away from the consumer, the consumer technically has a right to dispute, but the process is a waste of your time most often, and magically, financial entities get to charge much higher rates when your credit isn't perfect. Pay everything, and I mean, every. single. thing. on time, every time, for 3 decades. Get shafted by 1 business and that business slaps a collections on your report, -100 points, instantly, because fuck you.