American entrepreneurs are of course to be admired for their product development and marketing skills.
Modern economies thrive on creating demand, rather than responding to it.
One can only smile at the marketing of pet rocks and 61 kinds of mustard. It's even worse, though, when this is done without the knowledge of the subject and with legal immunity for the seller for any invasion of privacy, defamation of character or negligence the subject may suffer on account of a false credit report. Then to turn around and charge the subject a fee to see what it is that the company is telling others is truly outrageous. The damage is compounded by deceptive advertising, which makes the consumer think that only by enrolling in the service is it possible to obtain this information. In fact, the Fair Credit Reporting Act of 1970 already guarantees such access.