> You sign up for those when you get a credit card That is incorrect. Credit agencies create shadow profiles too, they call them 'thin files'. I have had to

> You sign up for those when you get a credit card That is incorrect. Credit agencies create shadow profiles too, they call them 'thin files'. I have had to code around those situations. Like Facebook they suck-up every scrap of data they can get from their sources. They absolutely do not throw away any of it just because you don't have a credit card ( else they'd omit half of Europe ).