Credit reports are used to evaluate whether or not potential creditors can pay their bills.
If they become unreliable then folks who loan money will have to use other metrics—and they may be metrics you don’t like.
They may have to violate your privacy in a dozen sneaky ways since they can’t rely on credit reports—or they may refuse to loan you any money at all no matter who you are because they have no reliable metric.
There is no free lunch here.
Credit reports should -and DO as it turns out - leave out the insane cost of medical care
My mother told me once that when I was born my father had just got out of flying with the Marines they had no medical insurance yet. I cost $75
We have come to expect outrageousness in medicine. This ruling is a testament to medical cost outrageousness