&gt; They aren&#x27;t really in the business of limiting access to your credit report<p>That&#x27;s exactly the business they are in: limiting access to your credit report to people that have paid them for that access.<p>&gt; Their value revolves around keeping and generating reports on your credit history to sell to people asking. What incentive is there to put in more restrictions on access?<p>Unauthorized access is people getting their product without paying for it.