Partial Truth Credit bureaus
The REAL conspiracy is among the “big three” credit bureaus. They want to keep your scores low, and they “educate”. You with PARTIAL TRUTHS so you believe their lies about how “hard” it is to change their “official-sounding” reports. Why?
It’s all tied to the Dirty Secret they share.
Here it is: Credit bureaus make their money by selling the contact information for the people. That whose credit scores they compute, and a person with a credit score lower than 640 is worth $145 bucks a year, while that SAME PERSON with a 700+ score is worth just $85 bucks a year.