Isn't credit ratings pretty much that? Buy the payment history on debt and then sell some derived value to anyone willing to pay?

> What is next? Our banks selling our payment histories to the highest bidder?

They do it for your own good, so that you get "more opportunity for consumer experiences in stores and online."

https://en.wikipedia.org/wiki/Card_transaction_data

https://pirg.org/edfund/resources/how-mastercard-sells-data/