There's a ton of those that are fully aboveboard, you just don't hear about them. One exists for return tracking, one exists for how many applications you've fi

There's a ton of those that are fully aboveboard, you just don't hear about them. One exists for return tracking, one exists for how many applications you've filed for credit cards, one exists for landlord/tenant court entries that saves them forever (they insist they aren't a CRA but under the law they clearly are) -- there's a ton of them other than the Big 3 and there's almost no effective regulation around them.