I'd like to just address one of your questions with regard to the dissemination of information because of the fact that multiple credit reports may be requested.
You mentioned telcos. Typically, this is the way that telcos will handle that. The agent on the phone actually doesn't see the credit file. The credit file goes in a repository of information that is secured. It's in a bunker. You need to swipe and fingerprint in order to get in there, and the agents on the phone only get yes or no.