I asked this same question of someone I know at TransUnion, and basically, the answer is yes. Although, considering companies have to pay a few cents to report

I asked this same question of someone I know at TransUnion, and basically, the answer is yes. Although, considering companies have to pay a few cents to report the data, maybe there's a market for a company that allows free reporting and can somehow stay in business for long enough to provide relevant, recent (7-10 years) data. You wouldn't be able to provide the accounts in good standing that remain on the reports indefinitely, but it might be good enough. Not that it's terrible relevant, but he told me TU has data on people going back to the 1920s. edit: didn't read the article, but the same concept holds true for business CRAs.