After all the Banks were bailed out with our money, today you can not get a loan or mortgage unless your credit score is 700 plus! The credit bureaus have also become money makers. The middle class is slowly dying out and cant get help. Speculation with gas pricing is killing the middle class so the Rich get richer and poor poorer. Its time for the government to step in and revamp the credit bureaus; make it eligible for the market to speculate on gas prices and cap prices; and make the Banks that were bailed out help that middle class get out of their debts or be fined.