> At the individual level nothing stops me from maintaining a list of people I think are trustworthy or noting prior acts for evidence of such.

> There’s no opt-in required because you’re not the one providing anything. The customer of the credit agency, the company extending you credit, is opting in to share what they know about you.

Until you get too large, powerful, and rich, then the government regulates you. This is the purpose of regulation, to control the abusive use of power.