Right, I fully understood what you where saying. > only relatively tightly-controlled entities As in anyone who can copy a number down? Furthermore the actua

Right, I fully understood what you where saying. > only relatively tightly-controlled entities As in anyone who can copy a number down? Furthermore the actual credit agencies aren't really well controlled, they're just the big version of that one (or few) person (people) who knows all the gossip. > avenues for recourse can affect your credit score. I haven't heard of these and seriously doubt their effectiveness.