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Revelate wrote:

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marty56 wrote:

IMHO if I was a CRA I would not invest any money in this since their potential list of customers could be affected by state and local regulations.

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Would you please clarify that?  Experian is a CRA, and their list of customers are banks... what state regulations govern the underwriting policies of banks with regards to which scores they pull / databases they can check?

 

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A payday lender would have to pay to pull your credit from a CRA or a third party who provides access to a CRA.  If I ban payday lenders then the customer base goes down unless a bank or cellphone/cable company wants to work thaat that customer base.