> I never consented to having all my eggs in those three vulnerable baskets Your information does not just magically make it into the database of a credit bure

> I never consented to having all my eggs in those three vulnerable baskets Your information does not just magically make it into the database of a credit bureau. It gets there via public record or because you allowed a creditor to report it to them. You are more than welcome to find a creditor that does not ask for or report to credit bureaus. Not trying to justify the existence of credit bureaus but let's not kid ourselves. They aren't sending spies to your house or tapping your phone lines to get this info. You personally authorize a large amount of it.