[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.