I think you are not well served by saying you don't have a problem. You have a big problem.

So you're going to scan the documents and that way the lender, who has absolutely no motivation other than to say no, we're leaving it the way it is----

I mean, somebody should be handing her piles of money for how badly you guys screwed this up.

You're telling me that my account with Verizon, that they are so worried... that they don't want to report my information?

if it's not enforceable then we need to fix it and make it enforceable, because there's a problem.

This is a system that consumers are captured by. They have no choices here.

It seems to me that the transparency that is needed for the marketplace to work more effectively and efficiently for the people that are putting their money in the marketplace--those are the people that are making the loans and buying the…

consumers are needing a cop on the beat here still.

That's what this is about. It's about the Judy Thomas's out there.

We're not going to solve this problem of people getting ripped off by these companies, buying these services, if we don't solve the score problem, too.

That's news and that's good.

We are here talking about these issues, trying to fix these for the consumers that are captured by this system.

I'm a little confused, because you just said, Mr. Pratt, that free credit report, that model happened before the change in the law to require the annual report.

following the lead of Senator Nelson in his Committee on Aging.

America's credit reporting system plays an important role in our economy and a critical role for consumers.

I love that anybody makes money in America. I endorse heartily the free market system.

I don't know why this is legal, this page, because it says 'Get your free credit report delivered in two days.'

The minute we try to close off their ability to sell a credit report that consumers should get for free, they're going to start selling the score.