The advise I have always given is you must have credit history to apply for any sort of loan. To get a good history apply for a credit card even if you don't need one and use it, but no so much that your utilization is too high that will reduce your score. Merely apply for a loan your credit score goes down just cause you applied!. How is this consumer friendly ?

It would be one thing if Credit Score for a government run central thing, couple of private companies having all your spending data without your consent at all seems major invasion of privacy.

Scoring methodology depends on sharing my private spending data to others, data that I cannot control being resold or have full visibility into its use. CRAs will try to charge you to "freeze" your credit or even see your own data!.

This is extremely anti-consumer, CRA industry did not develop for consumers or their protection, it is merely a tool for businesses to improve their operations.

Imagine if FB had a "social credit" and that is now used every social gathering as an eligibility criteria, and Facebook charged you to see your own data, that is how the current system feels.