Don't take out any loans or sign up for subscription plans. Pay for everything up-front and you don't need them. But for the average person who want to buy a p

Don't take out any loans or sign up for subscription plans. Pay for everything up-front and you don't need them. But for the average person who want to buy a phone, put it on a plan, and walk out - that is not possible without Equifax, Experian, etc providing an instant credit score.