I think Equifax, Transunion, and Experion should be blocked from accessing a person's information unless they explicitly authorized by the person.

There needs to be more transparency into the storing of personal information and the whole process of credit scoring an individual for the purposes of the borrowing they wish to do. This is a service that should be free. Why should people be paying to access their own information? That's just weird. The lenders are the ones who should be financing the credit scoring industry.