10 ms·

This is probably a stupid question but is there any way to avoid Experian altogether and still have/use credit in the US?

• kube-system 4y ago
  Only use creditors that don’t report to Experian? You’ll probably have to look outside of traditional creditors to do this. Maybe through a credit union?
• astura 4y ago
  No
• bombcar 4y ago
  You can throw yourself at the mercy of Dunn and Bradstreet instead, I guess, by creating an LLC to do all your "credit" stuff. Probably not worth it in the long run. Maybe brokerages don't report to Experian? So you could use margin as a form of credit? Unknown.
• aerostable_slug 4y ago
  It would be difficult. They aren't just using creditor information. All three big agencies have access to DMV records, a variety of real estate databases, they scan court records from the biggest counties down to tiny municipalities, they buy mailing lists, etc. The data gathered by them goes far beyond your employment, purchase, and credit histories. And it is constantly ongoing (much to the chagrin of small municipal courts who have one old Dell that's scraped multiple times per day, every day). You just don't know it because it's hidden behind a series of machinations that not only generate the credit score we're all used to, but also a variety of B2B products from renter risk to identity verification.