Re: Oh God, no
I was embarrassingly turned down for a mobile phone purchase after an in store check. No reason given, but after some research it turned out to be because I had never borrowed money (I had a credit card linked to my wife's name although it was paid off via our joint account). I would have purchased a phone outright but at the time a contract was the best deal.
So I ended up getting my own credit card, buying a few random items and a year later I have "good credit" rating. Flawed as it is, at least the current system has some transparency if you use the relevant online credit check services (under EU rules the data on you must be free to access). I suspect browser history would be very opaque. "Our AI system says you are a bad bet but we have know idea why and there's nothing you can do about it."
Biting the hand that feeds IT
