How Equifax Became a Private IRS
A cogent argument could.be made that transunion, Equifax, and other big private credit clearinghouses act as direct agents of an unspoken american "social credit" system in which the credit score denies housing and employment to those who refuse to or cannot conform to a largely invisible tome of rules.  These agents are then unpoliced as they serve capitalisms direct need for an underclass.<p>Full disclosure: I am a communist, and recognize most Marxist state social credit systems tend to have the same effect.  Transparency in the plenary party sessions seems to do little to reform this cudgel but the parallels in capitalisms version are neat to me.