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The biggest issue of both personal and world economy is the credit rating agencies. In the world and macroeconomy, Standard & Poor's, Moody's Investor Service, and Fitch Ratings (Big Three) dominate the market by being in charge of 95% of all the credit ratings being done. For personal credit for individuals, Experian, TransUnion, and Equifax rule. Their arrogance, unwillingness to reform, unilateral judgement methods have caused more financial chaos in our time than any other factors but both countries and individuals alike have no intention to reform these companies and legislate regulations to regulate them but just to comply to their arbitrary rules and standards. I am boycotting these companies. In this fast-changing economy of our days, our economic strength and values - both as an individual and a nation - are judged by an outdated compilation of value judgements. It's unacceptable for me. No, I will not accept that from now on. You may continue to run your mouths. But I will find every possible reason or resource to discredit your ratings and practices. By the way, NO ONE ever asked you to be the judges of our values and worths. You are a bunch of self-serving, self-lobbying private companies, not even semi-governmental. So, Fuck Off. It's about time for new evaluation system and institutes. And it should be public not private like these bloody bastards.
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