This kind of setup is ideal for most consumers who don't want to think about optimizing their rewards. (valuepenguin.com)
What most consumers don't know is that data brokers offer companies scores for other purposes unrelated to credit — for example, for marketing, advertising, identity verification, and fraud prevention. (consumer.ftc.gov)
In the case of most consumer loans, this means that successive payments have been missed over the course of weeks or months. (valuepenguin.com)