> If you opt out, then there is not credit for you, so there would be no chance of a loan. That’s blatantly false. People have been able to get loans for lite

> If you opt out, then there is not credit for you, so there would be no chance of a loan. That’s blatantly false. People have been able to get loans for literally thousands of years before credit bureaus existed, and you can do it today as well. The industry term is ‘manual underwriting’ and plenty of people and businesses have loans issued that way.