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I don’t think government should do it at all. That would be same broken thing. I just don’t want a selected (not by me) set of companies collect information about me without my consent. I would rather have an opt-in system where I can select a vendor to make a report on me to provide to lender. Only when I want it.


> I don’t think government should do it at all.

I'd want a non-profit to handle it. I'd want full public disclosure of internal processes, data sources and data buyers. I'd want strong, unhindered oversight provided by a fully independent public board along with separate oversight provided by the FTC - with oversight entities able to exhort meaningful influence over methods, sources and customers.




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