Comment by matheusmoreira

> you (largely) can't run a credit check on me without my permission

In my country there are forums where every once in a while a guy with access to these credit systems shows up and starts literally taking requests. People post names and he reveals everything about the person's credit history. For free and in the open.

Wouldn't be surprised if it was just as easy in the US for some bank or employer to look up your entire financial history.