Companies such as Experian have made billions of dollars harvesting and leveraging our data to essentially decide our "worth" (i.e., our "credit score"). We have little insight into the data they gather, little power to proactively curate that data, and no power to properly secure that data. After repeated data leaks (e.g., [2][3]), our identities are forever under attack[4].

Questions:

- Why are we still trusting companies like Experian with our credit-based data?

- What options does US have to move beyond the credit score?

- Do non-US countries suffer this same level of incompetence related to obtaining and maintaining "credit"?

[1]https://time.com/3961676/history-credit-scores/

[2]https://krebsonsecurity.com/2021/04/experian-api-exposed-credit-scores-of-most-americans/

[3]https://www.techradar.com/news/identity-thieves-crack-major-experian-security-flaw-access-customer-credit-reports

[4]https://www.theregister.com/2023/06/06/mercer/