4 ms·

Sure it did. You gave your information and they provided an accurate credit history. You trusted that information was correct, and if it didn't line up you woul

• SilasX 9y ago
  That's not trusting that it's correct; it's wanting it to be correct (if the report is positive) and having legal remedies to correct it if it's not.
• mulmen 9y ago
  Equifax's business model relies on banks trusting them, not the general public. Also, I never asked to do business with Equifax and never really had a choice in the matter. I'm the product, they don't care if I trust them.
• rubyn00bie 9y ago
  No, I never gave them my information-- someone, or something, else did without my explicit consent. If anything I would've explicitly denied them storing any and all of my information but I was never given that choice. Your grasp of how this all works is unsettling.
  • chii 9y ago
    But you "agreed" even you signed the loan or credit card (or anything really).
    • tremon 9y ago
      An "agreement" isn't meaningful if there is no informed choice. And choice isn't meaningful if there is no realistic alternative.
• astura 9y ago
  I'm not sure what you think Equifax's business is but you misunderstand it. Nobody gives any of their information directly to Equifax(1), they are a third party data broker. They get their information from third parties, otherwise it would not be reliable ("I totally paid that debt, trust me.) Equifax's customers are banks, credit card companies, phone and utility companies, gyms, background check services, and landlords (1) other than to ask them what information they already have on you.