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Whereas, for example, fico and equifax, fico and experion just announced a new program to allow you to have more control over your credit cards. fico ultra or something is what they re calling it. it is actually a good idea and that s where the world is heading. show them you saved money somewhere and it might have an impact like, if you permission them to be able to look at your bank b account data or utility payments, that could improve your credit score. and a nb called nab is providing reports, but small businesses should understand their credit better than they do. it s a culture shift which i m encouraged by. longer term, we have to have technological changes. the whole idea i take your personal information and i just send it around to three very attractive theft targets without me having any say in the manager. yeah. raj, we have to have a fuller discussion about this. former deputy director of the ....