That whole industry needs to be banned. Courts should record loan defaults, and make that information available to creditors. Nothing else should be in the re

That whole industry needs to be banned. Courts should record loan defaults, and make that information available to creditors. Nothing else should be in the report. Lenders already require independent verification of income and (for mortgages) monthly expenses. The rest of the information that’s in your report and that is used to compute your credit score seems to be there to force people to get credit cards and to perpetuate systemic racism.