[Spivak]

Why? It's not really yours. It's service which collects and aggregates data from lenders and provides it to other lenders to evaluate your risk as a borrower. You the borrower are barely involved. There's nothing authoritative about their assessment of you other than popularity.

In another world you wouldn't even be allowed to see your number. It's not like similar agencies -- fraud detection, ad firms, social networks, spam blacklists, etc. -- let you see the profile they've built about you.

They're a for-profit company in the business of selling data, the fact that you're in the market for you own profile, to me, seems immaterial. The only reason you're required to be able to view your report once a year for free is to correct mistakes.

[s73ver_]

It absolutely is mine. It's my data, and my credit.

I do not care at all that they're a "for-profit company." I don't believe they should be able to profit on my data without allowing me to see it, and make corrections as needed.