OpenGov - Open Government Brainstorm

absolutely. common sense.

that's the problem.

Let me get this straight. You should have a low score for not being in debt?

So my buying cars, trucks, motor cycles, ATV's, property and house with a shop doesn't count for anything? I should not be given a good credit score even though I paid everything off early too? I do use credit cards because I need fuel for my trucks but the fuel isn't about a thing compared to the rest of what I have bought on credit.

You should re-think this one.

That would mean teenagers with no credit history would have a better score than someone like me who CAN pay on time despite being late on a payment a few years ago.

Try to think your ideas through before posting them. Think about what happens after implementation, think about the behavior your plan would cause down the road.

We need credit reform, and a cultural reform to change the way we see borrowing, but giving higher credit ratings to people who have no proven ability to pay isn't it.

Debt is not inherently bad. The real problem lies in overuse of debt and high interest rates. Without it, some purchases are impossible.

What might be helpful is lowering how much money is available for lending and keeping interest rates low. Do a search for "Money is Debt" and watch it (or at least the first 2/3rds of it).

I see you don't know that if you do not use credit you do not get credit...duh

Now this Makes sense.

So, as we all know. No one will go for it.

How are the poor credit companies going to stay in business. We All know how much they care about us, and how they are trying to reform themselves...

Almost everyone has to have a Credit Card to rent a Hotel,Car ect.. (This should be outlawed in itself.)

But, Bless their hearts they are trying to reform(