Here in Canada you basically must go to them to do anything credit related ie get a car or home loan. I don't see how they have any incentive to do better becau

Here in Canada you basically must go to them to do anything credit related ie get a car or home loan. I don't see how they have any incentive to do better because they are a monopoly. And I cannot get my credit score from the bank as it's illegal I must go through this joke of a credit agency.