I honestly think it would be overall better for us. Like I said, FICO is a very weak signal that isn't given much weight in the adjudication process; and your l

I honestly think it would be overall better for us. Like I said, FICO is a very weak signal that isn't given much weight in the adjudication process; and your lenders are using these other signals I listed anyway, so the negative social effects you speak of are already happening. So, the only net outcome of automatic, forced credit reporting is that third party companies exist that collect, misuse and profit off of citizens' personal data. Anyway, rather than a draconian approach of outlawing credit bureaus, I think a law making third-party credit reporting optional rather than required is the right thing to push for, and more realistic than a nonstarter suggestion like nationalizing the credit bureaus.