This is a really relevant article. There are so many issue that this brings forth, one wonders why these aren’t on the election agenda. What I hope is covered is the credit companies absolute control over so many lives without regulation or representation. This person is still ignorant of what it takes to manage your credit. For example, getting rid of all debt is worse than having some debt. Keeping your credit balances under 50% is critical as well. Credit card companies invite you to apply for their cards but refuse to tell you what your credit limit is until after they have taken your application and fees. I just applied for a card to help improve my score only to find out the annual cost almost equals the credit balance that should be maintained to improve my score. This is another example of the bias against consumers in the credit market.