With the various cases of credit data getting lost or stolen (Social Security Administration, TJX among others), I have found that if I want to keep tabs on who is accessing my credit history, I have to pay one of the credit reporting agencies a monthly fee. This strikes me as strange considering it is my credit history. I generated it, thank you very much, and where fees and interest are involved, I paid for it.
There is a serious need of a consumer controlled credit reporting bureau. One where I get to see my data any time I want, have an easy way to correct problems and approve/reject requests to view it. Perhaps I could get money back when someone wants to view it.
Such a coop should also use alternative data on a person’s payment history: phone, gas and other utility bills. In this regard, at least Payment Reporting Builds Credit provides such an alternative.