> I'm advocating default opt-out. For everything. In this system, you'd never get credit. You'd apply for a loan or CC, they'd ask you for permission to check

> I'm advocating default opt-out. For everything. In this system, you'd never get credit. You'd apply for a loan or CC, they'd ask you for permission to check with a CRA and share your info, you'd say no, and they'd show you the door. > Second, they're always wrong and hard to correct. Been there, done that. No, they're not. Sometimes they're wrong, either because bad info was reported, or there's a problem at the CRA. Sometimes the errors are hard to correct. I've never had any bad information on my reports. That doesn't mean it doesn't happen, any more than you seeing something wrong on your report means they're "always wrong". It just means that no system is perfect.