I always assumed credit scores were an integral and historic part of the American financial system.
They were not, they are very recent，most of your parents didn’t have credit scores growing up, and as you can probably tell or at least intuit, it’s mostly just a b******* scheme for those with capital to accrue more capital by invading your privacy.
They should write it as “you must allow targeted advertising at least once every 5 years before submitting a new opt-out request for the next 5 year period”.
So dumb this is legal, I just sent my email.