Subject: File No. S7-18-11
From: William e Reno

June 16, 2011

Please, please, please straighten out the mess that is the 3 credit reporting agencies. If you try to correct your credit score, you hit not 1, but 3 brick walls and dam near have to hire someone on your behave to correct it. Banks abuse this system to keep your score down so theey can charge you a higher interest rate so they like the system the way it is because it works to there advantage.