Comment by tinco
3 years ago
Yes it is, this is literally how credit works. You convince them you're credit worthy, they give you credit. If you don't like the particular information a credit company needs to trust you, then you try a different credit company.
I don't follow how declining a credit company would affect your employment, is there something I'm missing there?
Having credit is not optional in modern society.
In the US, where credit cards are notably popular, 70-72% of people have a credit card. In other countries, it is less than this.
Even if you don't have a credit card you may have a mortgage, or a car loan, or a business loan, or...
To have none of those things in the US you must be either very rich, very poor, or dependent on someone else who does.
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If this data is available to some parties, it will eventually be available for everyone interested. Especially when we are talking about Equifax, there should be no doubt.