Re:Tell HN: Equifax free credit report dark patterns
by Arrath on Friday February 23, 2024 @09:18PM
(#39488533)
> because consumers granted permission to do so when entering into a business relationship
Do we have an actual choice?
Re:Tell HN: Equifax free credit report dark patterns
by lazide on Friday February 23, 2024 @10:20PM
(#39488848)
You could not get a loan or credit, I guess.
There are costs to that approach, of course.
Re:Tell HN: Equifax free credit report dark patterns
by smaudet on Friday February 23, 2024 @11:13PM
(#39489053)
Wildly unfeasible. The consumer does not have a choice, they do not have an ability to live within their means without incurring credit checks.
Take housing - perhaps it is possible to purchase outright a home with cash, however you will not find generally anyone willing to take payment in cash.
If you cannot afford that and are not taking a loan, then you must rent. However you cannot rent without a credit score.
So no the consumer did not consent to anything. This is a ridiculous and dishonest viewpoint.
Re:Tell HN: Equifax free credit report dark patterns
by lazide on Saturday February 24, 2024 @09:12AM
(#39491607)
How did you get that from what I wrote?
And notably, it’s entirely possible to rent without a credit check. Just not big corp places.
My current place didn’t check my credit, and they weren’t the only ones. I was disappointed they didn’t. But a lot of the cookie cutter places will.
Every data source (such as a bank or credit card) provides that data to CRAs because consumers granted permission to do so when entering into a business relationship. Either that, or it's publicly available data purchased from aggregators.