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Bio: The current system works well enough for lenders that there's little demand for change. Sure, they may miss out on a few potentially good customers, but they're able to identify more than enough good prospects to keep profits flowing. "It's of little consequence to lenders. It doesn't matter to them," Watts said. "Of course, to the individual consumer, it matters a lot." We could ban collection agencies from reporting municipal and library accounts to the credit bureaus. A less heavy-handed approach might be to require collectors and the bureaus to simply classify these accounts by their origin. Then the companies that create credit scores can crunch the numbers to see which collections should really count. If the results are as I suspect -- that unpaid parking tickets and library fines are often due to absent-mindedness, rather than an indicator of financial instability -- the impact of these collection accounts on credit scores would be mitigated. That might deprive government agencies of some revenue from scofflaws, but it would make the credit-scoring system a little more fair for the rest of us.