The problem is in the US they're not 'credit bureaus'. They're largely unregulated and unaccountable for-profit private corporations. Couldn't buy a home or had

The problem is in the US they're not 'credit bureaus'. They're largely unregulated and unaccountable for-profit private corporations. Couldn't buy a home or had to pay higher interest rates because one of these private credit reporting companies had inaccurate information on your credit report? Well sucks to be you and the credit reporting company is in no way liable for your loss. The fact that Experian, one of the 'big three' credit reporting corporations in the US, is offering to boost your credit score if you install their app is a damning indictment of how misguided and contrived the US credit rating system is.