[g051051]

> other sources which leaked or sold it to them.

Every data source (such as a bank or credit card) provides that data to CRAs because consumers granted permission to do so when entering into a business relationship. Either that, or it's publicly available data purchased from aggregators.

[Arrath]

> because consumers granted permission to do so when entering into a business relationship

Do we have an actual choice?

[lazide]

You could not get a loan or credit, I guess.

There are costs to that approach, of course.

[smaudet]

Wildly unfeasible. The consumer does not have a choice, they do not have an ability to live within their means without incurring credit checks.

Take housing - perhaps it is possible to purchase outright a home with cash, however you will not find generally anyone willing to take payment in cash.

If you cannot afford that and are not taking a loan, then you must rent. However you cannot rent without a credit score.

So no the consumer did not consent to anything. This is a ridiculous and dishonest viewpoint.

[lazide]

How did you get that from what I wrote?

And notably, it’s entirely possible to rent without a credit check. Just not big corp places.

My current place didn’t check my credit, and they weren’t the only ones. I was disappointed they didn’t. But a lot of the cookie cutter places will.