Standard and Poor the credit rating agency has been fined $77 million and has a year long ban preventing it from rating certain types of mortgage products. It really is about time that some sort of move was done to keep these credit rating companies in better check. A big part of the whole melt down in 2008 had to do with ratings that came from not only S&P but Moody's too. All so that their companies could increase market shares. I can think of a few more places I would love to have on the credit reform list. Why stop at S&P a company that is probably one of the worst business spammer ever. Do you think this will help or is it a case of to little to late yet again?