12/12/2012
https://congress.gov...
"The impact this has on a young borrower's credit score can--and does--have long-term consequences."
"Perhaps the most paralyzing issue in this that we can address quickly, coming up with some answers, deals with student loan debt."
"Our credit reporting agencies are not perfect, but American consumers stand to benefit far more if we improve our existing, competitive, private-sector system, than if we centralize the financial data..."
"This is a very serious racial issue."