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I get your point but, in this case, the consumers are banks and the likes. You aren't, probably, their customer. I'm not suggesting that's right, but it is how

• cloakandswagger 9y ago
  What impetus do the banks have to change credit rating providers, especially when it would come at massive cost to themselves and probably take months if not years? The only one I can think of would be consumers refusing to open bank accounts or credit cards with them because they run Equifax checks, which seems improbable.
  • KGIII 9y ago
    Right? I don't think they will change. I am biased and jaded, however.