…except you are used to privacy, and companys and their behaviour to not collect unnecessary data just for “what if”-cases.
Eg. for a credit-check, a morgage aso, YES. But only when one applys for that.
There’s no need to get screened by a credit agency if you don’t get a credit.
For me, there’s also the “private credit agencys”-issue; we in Switzerland have an official register, the “Schulden- und Betreibungsregister”. Everything relevant (depts, or how many times you gotten a dept-enforcement or repo) is saved there… (Edit: and that register is correct, there’s not a single case in its 100year existance that there was a false entry. Every swiss company with swiss CEO uses this register. BUT)
Thanks to many companys having no clue about that, we also have private credit-agencys, like CRIF, Intrum Justizia and countless others. They are completly intransparent, evaluate you on estimates aso. Had to fix my CRIF- and Intrum-Score, because they, other than my name and address, had EVERYTHING wrong. Found that out, when a “future employer” told me I shall not be reliable as due to my bad CRIF-score, I shall be vulnerable for bribing…!!
Now, Revolut gonna ask these amateurs for a credit-check on mine, eventough I never applied for a credit NOR DO INTEND TO DO SO (and if they change the mastercard from prepaid to credit, I’m gone. Debit yes please, but no credit.)