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So, can anyone tell me, why are there three credit agencies? Why not one, or thirty? Could I start a credit agency, just by judging that certain people are level 9000 reliable, and others are just level 100 reliable? I swear it's not slander, everyone I refer to is reliable, it's just that some of them have demonstrated exceptional reliability.

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One would probably mean antitrust action or nationalization.

There are more than three - https://en.wikipedia.org/wiki/Innovis for example - but the big three are the ones with market power. Anyone can start one - but it's tough getting banks and landlords to use you, especially in the beginning when you've got no data. Massive barriers to entry.

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