> we aren't their customers and can't take our business elsewhere This is an understatement. We are literally a cost center for them. Complying with the Fair C

> we aren't their customers and can't take our business elsewhere This is an understatement. We are literally a cost center for them. Complying with the Fair Credit Reporting Act is the only reason they bother listening to our complaints, yet that same Fair Credit Reporting Act has effectively enshrined the big 3 credit bureaus with a moat against effective competition.