[bonoboTP]

Yeah, if you default on it and there's a court decision etc. then it gets recorded in a government system and you are on a blacklist.

It's quite different and a lot less fine-grained than feeding all your credit-related and non-credit-related history into some ML model to estimate your credit worthiness.

[closeparen]

Sure, and nationalizing or limiting the scope of credit reporting are both fine ideas.

It is still a third party collecting a fact about someone and repeating it to others, to the data subject's detriment and against his will.