This will really only end when the credit rating agencies become irrelevant. Large purchases should be based on ability to pay, which is different than credit

This will really only end when the credit rating agencies become irrelevant. Large purchases should be based on ability to pay, which is different than credit rating. You can have a credit rating of zero just because you don't use credit - even though you have plenty of money in the bank. If you are running a business, why not avoid equifax and other credit raters and use a different mechanism? If you are looking to startup a business - doesn't this look like an area that needs disruption?