[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.