I pretty much have opted out entirely. I'm sure these agencies collect information on me regardless, there's not much I can do about that. I have no need for l

I pretty much have opted out entirely. I'm sure these agencies collect information on me regardless, there's not much I can do about that. I have no need for loans other than possibly a mortgage - I find it difficult to conceive of why one would even want a loan, outside of the first few years of adulthood. The mortgage is a stickler, but given that I have no desire to lock myself in to the traditional 25 years of working to buy a house in a high CoL area, it really just means saving before buying. It would be nice to have those things, but not with the additional stress involved of satisfying arbitrary requirements all the time. I prefer to live life without thinking about how other entities wish to 'rank' me all the time. I'd find it stifling to do otherwise. > As an analogy, auto insurers can easily check your accident and claims history -- imagine what your premiums would be if insurers had no way to check. They would have to assume the worst about almost everyone, and charge accordingly. More realistically, you'd be asked to provide your claim history, and if you fraudulently provided a fake history, you'd be hit with severe penalties.