even though i'm a novice.... here goes my thinking.....
1) Credit reporting basically assignes a citizen consumer second-class financial status.
2) In our culture money equals free speech; freedom.
3) The initial communication is vital to a consumer.
4) With the power to assign a 7-year sentence of second-class status; a "check"/procedure to balance this power is necessary.
5) The proposed requirement is minimal due process considering the ramifications of an error.
