[wmf]

I think something like the FICO system is probably necessary in an economy that runs on unsecured credit. If the government ran it they'd just outsource it to the same kind of contractors who built the original broken healhcare.gov and the result would be even worse than what we have now.

The rest of it like WorkNumber and TLO is really bad but it's exactly what you get in a neoliberal economy with very little privacy protection.