The FICO score calculation is a big mystery that is closely guarded by each bureau.

No secret free enterprise dictated.

Some of the more enterprising "sign police" get them pretty quickly.

I also question whether or not even an enterprising attorney would do the research necessary to find financing docs to decide whether or not it was worth suing someone.You certainly get a target on your back as your wealth grows.

Everyone can get ONE FREE credit report from each major credit bureau per year.

Basically, interference with private enterprise?

If you ever find a great rehab deal and need a partner or financing, let me know, I know your area well as it is one of the first I invested in.Best regards,Will BNationwide Property InvestmentsBarnard Enterprises, Inc

The Congress shall have power to lay and collect taxes, duties, imposts and excises, to pay the debts and and general welfare of the United States; but all duties, imposts and excises shall be uniform throughout the United States;So, if you want to go by the letter of Constitution, I guess you're arguing that we need to get rid of:The CDC, the NIH, the FAA, the FCC, the AHRQ, HUD, NASA, NIST, the Bureau of Prisons, the USDA, the Department of Education, the DOE, the VA, the DEA, FEMA, the SBA, the Department of Labor, etc...All of those (and hundreds more) federal offices aren't specifically called out in Article 1 of the Constitution...If you're going to be a stickler and say that we shouldn't have any federally subsidized agencies or benefits outside of what is called for in the Constitution, then at least be consistent, and call for the eradication of every one of the agencies listed above (and all the others)...

The US Bureau of Labor Statistics http://www.bls.gov/data/home.htm is a great place to start.

Anytime you see a great need for a service, especially a medically oriented type service, that is not being met in a community and that such a service is a profitable or very profitable enterprise, that tells be one thing quickly....that government has shut the doors on entering that market or that it is very expensive to enter that market (business).