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As tempting as it is to thirst for blood in this case, what do you really want to go after is upper management.

Credit rating isn't exactly a free market, but I'm very skeptical that we should reduce any significant oligopoly from three corporations to two.

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My comment is only part blood thirst and part just wanting to simplify my credit report tracking from a consumer perspective. I would also like as few companies as possible having my personal information as possible especially after problems like this.

The other part is if I'm applying for any kind of credit, I assume the most conservative lender would look at all three results and just go with the lowest credit score.

But I agree, even in a semi free market, competition is good.

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