Widely criticized by consumer groups, the misunderstood credit bureau has helped consumers by fostering trust between strangers. Privacy advocates should note that credit bureaus promote social accountability far more discretely than do the media and the legal system.


Other Independent Review articles by Daniel B. Klein
    Winter 2018   The Joys of Yiddish and Economics
    Fall 2012   Most Economists Welcome Ideological Openness
    Fall 2012   The Improprieties of the Pretense of Knowledge
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