Please feel free to use any of the information below.  You may send it via regular mail or email to your Senator or Representative.

Dear Honorable Senator _______________,

I would like you to consider an amendment to the Fair Credit Reporting Act.   Americans deserve to be treated fairly, and although this law was written with good intentions, the negative effects far outweigh any good that it has done.

Please consider the following amendments:

1) Give people incentive/motivation to accept responsibility for bad debt: Remove any reference to "collections", etc. if 12 months of consistent payments are made.

2) 30-day late payments should be removed in 2 years, if the account otherwise remains in good standing.

3) 60, 90, and even 120-day late references should be removed in 4 years, if the account is brought current and kept current.

4) If a bad debt is paid in full with a one time payment, then report the account as paid, leave the late reference in harmony with suggestions 1, 2 above, and remove any "collection" reference immediately.

5) If a person has 2 forms of proof that they were unemployed, disabled or a spouse died, then they should be given a clean credit report in one year if they can make 12 months of regular payments.

Please don't delay, this law is a primary reason that it takes at least 7 years for America to recover from something like the credit crisis of 2008.  The un-FCRA currently treats every credit infraction the same, with a blanket minimum 7 year penalty even if someone accepts responsibility and pays off their debt.  This law is NOT fair.  Please change this law so that America can prosper once again.

Thank you for your time and consideration.  I look forward to your reply.

Sincerely,