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Still I think part of the problem is that you can't opt out. If I wanted opt out and you tried to look me up and it said no info. Well that means you as a lender then choose to not lend the money or just assume highest risk or limit risk by loaning only smaller amount.

People should be able to opt out.

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What you're describing as an opt-out is really a gag order to prevent businesses from disclosing your misdeeds. Why should you be able to prevent others from saying true things about you?

Not arguing either way, but to answer

>Why should you be able to prevent others from saying true things about you?

The obvious reason is privacy. Misdeed is subjective and the aggressive broadcasting of supposed misdeeds can be a conformist beating stick. Literal truth is a low standard for determining whether something should be said. Personally, I think Buddha's heuristic is pretty useful:

When determining whether you should say something,

Is it kind? Is it necessary? Is it honest? Does it improve upon the silence?

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