<prompt> Human: So there have been many posts and articles about big changes coming to credit reporting. Most say it is positive and will help consumers. Is anybody worried that this overall increase in consumer credit scores will actually harm a large portion of consumers? If the average credit score raises, wont lenders increase their standards for good or excellent credit. Or am I just being paranoid?  <response>: Theres so much misinformation.About two years ago there was a settlement agreement that would cause: medical debts less than 180 days old or medical debts paid by insurance not to be placed on credit reports as well as debts that did not arise from a contract or agreement by the consumer to pay. None of these should have a measurable impact.Then a few months ago it was announced that starting July 1 the CRAs will remove tax lien and civil judgment data from reports if the information does not provide complete details on consumers. For example, the marks will be removed if the data does not include a persons name, address, Social Security number, or date of birth.In this case they are just following the law. Credit reports need to be accurate. If a lien or judgment does not have information sufficient to identity the debtor it should not be on anyones credit report. If someone has a lien or judgment there are probably other markers on their credit reports like charged off or collections accounts. If your name is John Smith would you like another John Smiths accounts to show up on your credit reports?Finally in the past few weeks there have been some news about changes to VantageScore. I am not aware of any bank and I challenge everyone to find an example that uses VantageScore to make credit decisions. VantageScores main customers are credit monitoring sites like Credit Karma and emerging markets that have not traditionally used credit scoressuch as landlords and utilities. 