Gene Roddenberry had a dream. He invented a universe where humans had eliminated disease, poverty, war, bigotry, and greed by banding together to seek out new life and to boldly go where no man had gone before. Sound familiar? It should. Unfortunately for us, that day is a long ways off. We live in a society where money does most of the talking, where absolute power corrupts absolutely, where the rich get richer and the poor get poorer. It’s important in today’s society to ensure you have good credit in case of emergencies, yet the reality is that some people either don’t care about their credit or don’t know how to repair the damage that they may have done to it. If you think that not all companies know or can find out about your financial history, then you’re not living in the twenty-first century.