The Citizens for Financial Justice is a non-profit consumer advocacy and watchdog group. Whose main purpose is to help consumers navigate the credit reporting agencies when there is erroneous and inaccurate information contained in a credit report. Our second purpose is to lobby Congress to expand the consumer bill of rights to ensure that negative reporting on a credit report does not result in "guilty until proven innocent." Our third purpose is as a watchdog of the Federal Train Commision to ensure that they follow their government sanctioned mandate to properly enforce all laws pertaining to credit reporting agencies.