

Credit bureaus are certainly evil but modern life in the US still forces us to work with them, so you may as well register free online credentials with them all so you can check the records they have on you for accuracy. They actually do respond quite consistently fast. I once had a LendingClub thing listed in my history when I’ve never touched anything involving the company, and whichever-bureau-it-was (I can’t remember any more) promptly removed it upon my informing them.
It’s definitely worth doing.
I actually still use Boost for Reddit because it’s so incredible and unbeatable (especially for moderating), but I decided to lean more open-source otherwise.