Yes, but a scam is normally something that baits someone into a situation they fall prey to. The US credit system is certainly that, but it also exploits unwilling people who have no intent of taking the bait. That is, we cannot opt-out of the credit bureaus collecting data on us even if we try.
Yes, but a scam is normally something that baits someone into a situation they fall prey to. The US credit system is certainly that, but it also exploits unwilling people who have no intent of taking the bait. That is, we cannot opt-out of the credit bureaus collecting data on us even if we try.