Why is this data even available? Governments using it is wrong. But in the context of"democrcies" it is private corporations that is terrifying. "Credit check

Why is this data even available? Governments using it is wrong. But in the context of"democrcies" it is private corporations that is terrifying. "Credit checks" are bad enough, and cause many problems in that if your credit record is unorthodox- say you use cash as much as possible- you can get excluded from many financial services when you need them. With all this extra data available there is more chance to discriminate against anybody "other". Forcing everybody to be the same is the hallmark of fascism. Another generation defeated state fascism, at a huge cost. We owe it to them, and even more to our children , to fight creeping corporate fascism. Why is this data even available?