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How does Equifax build their database of people exactly? If it's all based on public information then they could argue that it's not really a leak. They are merely interpreting public information to build credit score.

If guess for subscribers they could get more information than publicly accessible. What fraction does it represent?




It's not public data, it's data that creditors provide.


Private companies report information about you to the big agencies, and then they blend in public information. So it is a mix of public and private information.


The credit card companies and lenders provide them with your information. It's not public.




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