I want us to be able to achieve better credit scores when someone inuires on your credit report it goes down immediately but when something drops off it could take months for your credit score to go up in the meantime if you apply for credit it will drop not fair!!! also alot of plces report you only when you go bad if you are good they won't report you or if you make right with them they won't acknowledge it let's make credit reports fairer to everyone please join the cause