Or the flip side where you benefit because the system understands your actual risk profile rather than being at the mercy of highly error-prone credit reporting

Or the flip side where you benefit because the system understands your actual risk profile rather than being at the mercy of highly error-prone credit reporting. I had 5 tax liens on my credit from the state of Missouri, despite never living there or operating a business there. It took me a year and a lawsuit against Experian before that was fixed. And this is despite having documents from the Missouri courts discharging the liens and certifying They were imposed in error.