No other countries should have our data but the United States.
Being able to pay off any debt without consequences. Payoff gives rewards and points for payoff.
All parties should be notified and confirmed that the debt exists. No more one sided posting bad things.
The reporting agencies MUST update all information monthly. Not only during a request from a debtor.
Car loans should not be reported in turned in voluntarily due to lack of money (lost of employment; lost of income must be proven to stay off report)