[Porsche-O-Phile]

Yep, it's a great business model:

They collect all kinds of personal information about you without your consent (well, your "consent" is given when you apply for credit anywhere or interface with our financial system in any way like getting a mortgage, a student loan, credit card, car loan, bank account, etc. so good luck functioning in society without it...) If you DON'T want them to sell this to other people, they make you pay for the privilege.

I can't wait to hear how much of this involved their use of "offshore" servers, IT people, etc. that are not subject to U.S. cyber security laws, protocols, etc.

Prediction: there will be a humongous class action suit that they'll settle for probably eight or nine figures (if not more) and the people affected will get jack ("a year of free credit monitoring" or some B.S. with no tangible value that 99.99% of people will never take them up on anyway or even be able to figure out how to obtain), and of course "no admission of wrongdoing".

Our system is the best. 'merica!