We could also get rid of commercial working tax credit calculator bureaus and all of us would suddenly be able to say we had perfect credit histories. Sorry, this article is like saying referees and umpires should be eliminated from professional sports leagues. Our national credit rating took a hit because Congress acted irresponsibly. Instead of realizing how close to the edge our spending has put us, they kept right on posturing for their party faithful. It is deplorable that the entire country was hurt, but that was the choice of our elected representatives.