We continue to see low scores from the XXXX credit bureau for many years, and especially Experian. Our payments are always made on time, and the rating we have been given continues to hinder our ability to refi our home which has a very high interest rate. The scores are based on debt ratios or credit card balances. The credit bureau are basing low scores on a few credit cards thus not showing an accurate rating considering an abundance of flawless accounts. We had spent many hours some years ago cleaning up inaccurate information and still the scores continue to remain low. We are not sure if taking legal action would help our situation, but life is too short to have credit bureau dictate our ability to get ahead when scores are based on half the information of an individual. I am sure their scoring methods hurt many families and I find it hard to believe that our justice system would allow this to continue. 
