Credit company does not have microphone near your bed, they do not know which posts you like, or not, they do not have all your mails, and not necessarily know where you drive and how often.
Keeping all of the data under one company umbrella is vulnerable, target for hackers, and easy target for governments.
Keeping all of the data under one company umbrella is vulnerable, target for hackers, and easy target for governments.
Your post is not correct.