[peppermint_tea]

I understand why they exist, but they should be opt-in in my opinion.

example #1 : a teenager starting his first job should not have his data shared by default (it is useless for him and increase(I think) the risk that his identity gets stolen)

example #2 : when you go to a lender, he could say, yeah, we check with equifax, maybe you want to opt-in with them.

The fact that they are unavoidable are the problem in my opinion. It creates a kind of monopoly. If it was opt-in, maybe we would see more alternatives companies offering the same kind of service with better security and customer service.

P.S : There is an error in my file and I never bother to fix it, I never lived there, it is clearly a fraud attempt and this is their error, not mine to fix.

P.P.S : not an expert on the topic and maybe I am missing out on important details

[yucky]

Technically they are opt in. If you pay for everything in cash you won't have much data for them to use against you.