Oh, I don’t think for a minute

that the companies would just decide one day to admit it …. they would just keep doing it till they were caught and had to fess up. Yes, however it came out, there would be an uproar.
We are a small mom and pop company. We just get a pad of apps from the local office supply place and I never remember seeing a place to give permission for credit checks. Will have to look when I go in later … my curiosity is peaked now. Open-mouthed smile