Subject: File No. S7-18-11
From: Ray lynch

June 17, 2011

Credit score is impossible to figure.
1- what is the highest score/lowest
2- what is the scale range attributed to - in english please.
3-if something is a "score" where is the official rule book.
4- how can the keepers of the "score" all be different scores
5- why can this unreliable "score" affect both auto and homeowners insurance eligibility.
6- Who REALLY owns or rules these agencies.
7- why are they able to access all of my personel information.
8- how much money are these agencys making and who pays them.
9- were these agencys created legaly.
10- thou shalt not steal