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a look now at a house hearing on credit scores. witnesses include officials from several of the companies that provide credit scores, which help consumers obtain home loans and other financial products. luis gutierrez of illinois is chairman of this hearing. it s about two hours. this hearing of the subcommittee of financial institutions and consumer credit will come to order. good afternoon and thanks to all of the witnesses for agreeing to appear before the subcommittee today. today s hearing will example how consumer reports are created how they re used in today s financial service economy and the impact they have on consumers. this hearing will also focus on reports completed by the federal reserve and federal trade commission, pursuant to the requirements of section 215. we will be limiting opening statements to 10 minutes perseid, but without objection, the record will be held open for all members opening statements to be made part of the record. we may have membe

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