Re: So basically
Well, it seems that I have to correct myself.
It's worse than this. You data is not the product--it's a resource, and it's one that the banking industry doesn't just let them tap at will, but it's a resource that the banking industry willingly spews at them without restraint.
And then, the really bad news: their product is their opinion on your merits. Oh yes, they have a mathematical formula--presumably, based on Scientific or actuarial principals. But, they own that algorithm.
So, who represents us in validating that algorithm? Who represents us in evaluating the merit of the thing that rates our merit.
Well, read the rest of the thread, as others have already answered that question--as well reasonably rated the merits of that agency.