The world has changed and the theFARZANreport has responded.Banks, Credit Card companies and other financial institutions must change their way of doing business or face the consequences and the dilemma of failure. Traditional credit check, credit scoring system just does not work anymore. Big Business need to realize, that today, it is NOT business as-usual. BUT instead business un-usual. CASE AND POINT: UPDATE: 04/07/2010. A Quote From American Express Open Forum "Since 1998 (192) banks have closed their doors" HEAD START program for consumers and students who want to start establishing credit/credibility as well as re-establishing and re-building consumers who have no credit, bad credit or slow credit by allowing small companies to report (1) one customer at a time. WE DO NOT PROVIDE A CREDIT SCORE, INSTEAD CONSUMERS ARE RATED AS A: PLATINUM, GOLD, SILVER OR BRONZE CONSUMER. U.S Most Wanted Consumer.Com / theFARZANreport is a 3 Party Creditability Reporting Agency design as a solution AND a mission to solve SEVERAL Problems that create world crises: Providing access via a 21st century Web-Based Platform. Allowing everyone with Internet access across the globe a level playing field one consumer at a time.