Data is the new oil. This is an often-quoted adage in this digital age. Today, everything we do is tracked in one form or another. The new reality is that we use a multitude of free services in exchange for providing our data to companies who then attempt to use that data to help us make informed choices while making life decisions or while shopping for products or services. …………………………………………………………………….These data sets have been used behind the scenes to evaluate consumers’ eligibility for financial products such as loans. Particularly in the case of credit bureaux, as consumers realized that their loan approvals hinged on this data, it was sold to consumers in the form of credit scores and reports in order to review for accuracy.