I agree fully, as the beneficiaries of the credit reporting services are banks/credit lending services. The customers, us, are the clients of this lender. Mor

I agree fully, as the beneficiaries of the credit reporting services are banks/credit lending services. The customers, us, are the clients of this lender. Moreover, why wouldn't it be opt-in? That's right, have the data be exchanged when loans are requested. How often do people apply for mortgages, credit cards and so forth? Definitely not 365 days of the year.