Help me, help Congress, to amend America's stringent credit scoring laws!!!! sign now

As many Americans know, credit is a major issue in our society. For those with a high FICO score, the credit scoring system is rewarding. However, if a consumer happens to lose control of their finances due to unforseen financial circumstances, such as rising medical costs,taxes, and utility bills,as well as the unexpected death of a loved one, natural diasters, or even an unexpected pregnancy,one's good credit can instantly be ruined, thus making consumers unable to obtain any new credit for at least seven,long years.
In many cases, circumstances such as those mentioned above, can happen to anyone. Nonetheless, the credit scoring system tends to have more of a negative effect on American citizens who are living near or at the national poverty level. These citizens are ones who are typically forced to play the 7 year "waiting game", or who try to find alternatives to getting credit by obtaining pricy rent-to-own products, or by filing bankruptcy.
On Today,I'm not encouraging Congress to completely abolish credit scoring systems. However,what I am asking of Congress is for them to be more understanding to the needs of the individuals who voted them into office.
I am asking Congress and all petition supporters to bind together in order to comprise a credit scoring system that is truly fair, helpful, and beneficial to all American citizens regardless of their age, race, occupation, or socio-economic status.
What I propose for Congress to do is for them to give citizens who've always had good credit, an opportunity to keep their good name, as well as a high FICO score by letting them enroll in a one-time only debt management program that gives citizens the option to keep all negative items off their credit report if they successfully complete the one-time only debt management program. The debt management program will require for citizens to be teamed up with a reputable debt management specialist who will work as an arbitrator between the creditor and the citizen to come up with a working payment plan. The plan will not charge the citizen any late fees, nor will the citizen be charged any interest or finance fees.
I also challenge Congress to also amend the number of years that a negative item should remain on one's credit file. I propose that one's credit file should be cleared every 3 years for delinquent credit cards, 5 years for repossessions and home foreclosures, and 7 years for bankruptcies. By doing this, I truly believe that all Americans will have more opportunities to have a fresh credit start, and thus become more credit-wise .

Please sign the petition if you agree with how our credit scoring system should be amended!!!!!!!!!!

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Bonita FlemingBy:
TelecommunicationsIn:
Petition target:
U.S. Congress

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