You can't mention that there are pros and cons and not mention that the cons vastly outweigh the pros, with any credibility.

Except in the credit report they only list your lenders and how much money you owe, and your payment history, and it's technically possible to not get any credit and have no information, or at least no recent information, in your credit report. In The Work Number, they not only list your employers, but also all your paychecks, and it's hardly possible to opt out.