Quite simply, I have nothing but positive information on XXXX of my credit bureau reports ( Transunion ) yet I have a very low rating. I can come up with no reason for this low rating except that this allows any prospective creditor to charge me with the highest fees, interest rates, etc. 

Another credit bureau report, in this case XXXX has XXXX collection item and that XXXX has an even lower rating yet everything else on that XXXX is positive. Unless they 're basing the whole report on XXXX small collection item, then I should have a good rating with them also. 

This is clearly a racket ; these bureaus are in cahoots with creditors or at least their actions benefit only the creditors, certainly not the consumer. Is anything being done about this and can I submit my CBRs to you to use for an example in getting the law changed? These bureaus have way too much power and are clearly taking advantage of it.