Well I didn't say it was fair or even reasonable. Just what is. There are stories of people who have trouble getting credit or renting an apartment, etc. becaus

Well I didn't say it was fair or even reasonable. Just what is. There are stories of people who have trouble getting credit or renting an apartment, etc. because they have never had credit before and therefore have no credit report. So it seems that the reporting agencies don't know about people who don't use credit or any other services that report.