Policies affecting the Internet as a whole - Hitting where it hurts

Perhaps the model we might examine is not so much a cartel that decides who
gets access, but that of a credit reporting service. Each merchant that
uses such a reporting service makes an independent decision whether or not
to grant credit.

If such a service were established, I certainly would want to avoid the
secretiveness, and resistance to correction, that long affected -- and
still affects some -- credit bureaus.

Howard Berkowitz