Subject: File No. S7-18-11
From: Marianne Freebury
Affiliation: None

June 16, 2011

Any company/organization that is used by others to either grant or deny you a service and can be used as a black mark on your record, your integrity, your reputation and can be used to deny you employment or credit should be held by the highest of standards that are regulated by the government. They should be no different than insurance companies or health care agencies who are required to jump through many hoops to prove they are above board on the way they treat consumers and businesses and uniform in the way those accounts are handled.