The reason why credit rating agencies have strict limits on what kind of information they can use is because for the first 50-75 years they were totally abusive

The reason why credit rating agencies have strict limits on what kind of information they can use is because for the first 50-75 years they were totally abusive. What the IMF want's isn't a return to that, but something worse. Where a mere interest in a subject has an effect on your finances. Currently: Friend of mine had HepC. And then liver cancer. Reading up on that online? The blowback was just some annoying targeted ads. IMF Future: You get denied a loan or have to pay higher rates because you were reading up on HepC.