6 ms·

IMO, Leaked is probably the better word here. Equifax did not steal the data in the first place either, they recorded/copied it from other sources which leaked

• g051051 3y ago
  > other sources which leaked or sold it to them. 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.
  • Arrath 3y ago
    > because consumers granted permission to do so when entering into a business relationship Do we have an actual choice?
    • lazide 3y ago
      You could not get a loan or credit, I guess. There are costs to that approach, of course.
      • smaudet 3y ago
        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.
        • lazide 3y ago
          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.