Their business model is weaponizing this information against consumers. They work for the businesses that do lending, not for the recipients of the loans. And

Their business model is weaponizing this information against consumers. They work for the businesses that do lending, not for the recipients of the loans. And you would think that given their one job is to supposedly safeguard this info, the consequences would be more severe or we would re-think this entire business model of consumer credit, but our society is not capable of that kind of consumer advocacy. Likely due to some powerful interest's bottomline.