mr. pratt will testify on behalf of his association and the three credit bureaus, but they have all submitted written testimony and are here to answer questions. mr. pratt, you're recognized for five minutes. >> why thank you, mr. chairman. mr. chairman and members of the committee, thank you very much for this opportunity to appear before you today. i'd like to just focus on a few key issues in my oral remarks and let's start with the importance of precertificating and expanding data for risk decisions. our members' database preserve an invaluable history of how we manage our finances. 18,000 data sources, update three billion data elements every month. this congress by enacting new laws, calling for creditors to do even more to hey zest the consumer's ability to repay a loan has recognized the value of these data systems. while it might be tempting to eliminate certain data due to the severity of the recession, it is vitally important to preserve the toality of every consumers credit. to requ

mr. pratt will testify on behalf of his association and the three credit bureaus, but they have all submitted written testimony and are here to answer questions. mr. pratt, you're recognized for five minutes. >> why thank you, mr. chairman. mr. chairman and members of the committee, thank you very much for this opportunity to appear before you today. i'd like to just focus on a few key issues in my oral remarks and let's start with the importance of precertificating and expanding data for risk decisions. our members' database preserve an invaluable history of how we manage our finances. 18,000 data sources, update three billion data elements every month. this congress by enacting new laws, calling for creditors to do even more to hey zest the consumer's ability to repay a loan has recognized the value of these data systems. while it might be tempting to eliminate certain data due to the severity of the recession, it is vitally important to preserve the toality of every consumers credit. to requ

pratt river as wild and scenic rivers and for other purposes. the speaker pro tempore: pursuant to the rule, the gentlewoman from guam, ms. bordallo, and the gentleman from california, mr. mcclinton tock, will each control 20 minutes. the chair recognizes the gentlewoman from guam. ms. bordallo: i ask unanimous consent that all members may have five legislative days in which to revise and extends their remarks and include extraneous material on the bill under consideration. the speaker pro tempore: without objection. ms. bordallo: h.r. 1769, sponsored by dave reichert of washington, would expand the alpine lakes wilderness area and designate two rivers as components of the national wild and scenic river system. the alpine lakes wilderness area, originally designated by congress in 1976, has become one of the most visited wilderness areas in the country. the proposed wilderness additions are low elevation lands that provide important habitat for wildlife. when high elevation lands are covered by snow. eld, deer, cougars and bobcats live in the mountain valleys that comprise the proposed wilderness addition. mr. speaker, we urge support of this resolution and i reserve t