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Buying a house/car or getting a job is something that happens everyday without anyone consulting Experian. If you don't like Experian then don't do business wit

• tristor 4y ago
  > If you don't like Experian then don't do business with people that use Experian. Yeah… that’s not how that works. Generally: 1. You have no idea in advance what credit reporting agencies the lender or employer will use. 2. Even if you know, you’re now fighting two kafkaesque bureaucracies at once instead of just one. Enjoy that. 3. The consequences are life-altering. 4. For mortgages it’s often required to query all three credit reporting agencies. 5. If you make known your issue, most lenders take it as a sign you aren’t credit-worthy 6. All three agencies are huge sacks of shit. There’s no ethical reason to object to Experian but not to the others. They’re all utterly horrid in effectively every aspect. 7. It is literally impossible to opt out of your information being stored and disseminated by the credit reporting agencies, and their business is legally protected.