A New Credit Score

“Augmentative Essay”

Patricia Edwards

Strayer University

English 215

Professor : Gail Giewont

A New Credit Score

The credit laws of our society need to have a major over haul one that would take into account the hard working people of this great land of ours. This new law would give any US citizen that has been employed for minimum of 20 years in the Unites States, i.e. the Military, Government Employee or Contractor, with no criminal background, have paid their taxes, be given the opportunity to have a clean credit score one that is in such high demand. One that say I’ve made it in essence a chance to start anew. To share some of the perks that others from countries other than America have long since enjoyed when arriving to The USA.

Americans have made America what it is. Some have even shed blood sweat and tears. Through a good economy a bad economy lean years, hard years, fought in wars and sometime come home to nothing, even homelessness. Some are looked at as though they are second class citizens because they have endured some hardship of some kind, or maybe just human error in younger days, bad financial management, or fighting in a war! But should one be punished for the remainder of their lives, because they don’t have and 800 credit score?

Is this the land of opportunity for just a few where one is judged by their credit score? Where anyone can come from another country apply for a Social Security number and instantly have the winning number, just like the lottery. Be treated like Rockefeller when credit is needed, to purchase a home, car, start a business or even searching for a job. Americans that have worked and worked paid taxes, fought in wars faced tragedy i.e. 911, housing market crashing are sleeping under bridges, paying outlandish interest rates, driving junked cars going and doing without some of the basic needs not understanding why no help is forth coming This is America! But we still need to run your credit.

Trying to find the right words to tell a child sorry there is no heat, because Dominion power wants a deposit. Sure one can get around the deposit yup run your credit! What about the bill collectors that are harassing you because you don’t have a job to pay your bills. So one thinks lets apply for every job out there, but guess what your credit is going to be ran, with the low credit score, there will not be a great job in your future but.

Watching the person or family that has come from a far away land, driving new cars, buying homes and treating the hard working Americans like second class citizens. Pretending not to speak English when it’s convenient. Sending their children to the best schools, buying up hands full of stock with a store or gas station on every corner, and most acquired all this by having that 800 plus credit score from just saying the words that are required to become and American not be an American, not going through anything that some hard working Americans have faced for years. Stop the Madness!

When will the madness stop? When will Americans be able to say I’m middle class and mean it? When will Americans be able to breathe a sigh of relief when getting that loan, applying for that position, getting from under that bridge? When will Americans be able to be treated just like the New Americans, and not be embarrassed about the situation at hand, be able to have that credit ran because a second chance has been given just for being an American! How would you like a New Credit Score?