Credit scores and credit reports are separate products. It would be possible to nationalize credit reporting while banning any government involvement in credit

Credit scores and credit reports are separate products. It would be possible to nationalize credit reporting while banning any government involvement in credit scoring. The government could license access to an arbitrary person's full credit report, requiring payment per person per access and compliance with a laundry list of consumer protection clauses, while notifying that person on at least an annual basis about who has been pulling their report. Perhaps more often, if you want to pay for the extra stamps or give permission for e-mail notifications. The FICA folks could pull your report and reduce you to a number every time some creditor wants to check up on your creditworthiness. AirBnB could pull the same data and produce a houseguest score, so people can feel comfortable that you won't trash their place. A background check agency could pull the same data and try to figure out whether you are likely to hurt an employer's business.