This type of data isn't really used for business decisions, since an audience like "good credit score" (highly highly regulated and almost never used, fyi) cont

This type of data isn't really used for business decisions, since an audience like "good credit score" (highly highly regulated and almost never used, fyi) contains like 150MM unique identifiers (cookies, device ids, etc). Everyone using this data knows it contains inaccuracies, but it is much much better than not having any data at all.