Let's Freeze Fico Scores

Open Letter to FICO stakeholders: Credit card companies charging 22%+ APR interest to civilians COULD suspend interest payments for a couple months and get on board with the situation. As a business owner operating through quarantine, taking cuts in pay to extend runway while prospects, investors, and customers struggle to deal with the onset of an unusual Recession juxtaposed with quarantine impacted way of life... I observe it's better not to crash out completely and to martial resources to be strategic and opportunistic while imparting an ethic of care. Because the economy and people's faith, their understanding of markets will take time to heal and reorganize as events continue to unfurl in this developing situation. As Mr. Silvers at the SEC said on a November 7th panel of the Investor Advisory Committee, "We need to see a full cycle before we jump to conclusions." I may be too liberal with my predicate construction. To wit, the situation: by withholding payments for 90 days I am demonstrating fiscal conservatism that is not reflected in a commonly used persistent institutional measure of one's creditworthiness. Quite the opposite, the hits to my credit score due to credit reporting of late payments will remain for 7 years. This whole time coincides with delays in government processing and loan forgiveness. So? Who's going to take it up with them?