I had a very similar reaction 25ish years ago when I found out as a teen credit agencies exist and were somehow not illegal (but employment blacklists are). Do

I had a very similar reaction 25ish years ago when I found out as a teen credit agencies exist and were somehow not illegal (but employment blacklists are). Don't worry - I was told they are optional, and you only need them for major things like if you getting a new car or house financed. Anyone worried about these things were mocked with the slippery slope "fallacy" typically being the counterargument. Of course scope creep inevitably happened - and now you are effectively locked out of many parts of society if you have a poor credit score. We were told it was outright illegal to use credit scores when hiring people (again, 25 years ago) so our fears were unjustified. Now we're running credit reports on entry level warehouse positions, some volunteer jobs, etc. With every reason to believe it's going to get more pervasive. As these "social rating" systems get more normalized with consumers, I fully expect to see "novel" new uses and data sharing starting to happen.