the american dream

why is it that a credit repoting agency can stop a bank or home lender from giving you a loan to purchase a home, but the most of us pay the same amount of moneys to rent a home that most people pay for a mortgage.
If you can pay your rent each month then why can't I have a Mortgage and pay that each month. the credit reporting agency that have the power to keep people out of homes aren't fair to the everyday working man and woman