Sadly these days it is not only credit applications that companies use CRA's to search. Better deals on Utilities, Mobile phone, Mortgages, I even know of a couple of companies that check with CRA's when applying for a job!
Now retired so that's not likely to affect me and I'm more than happy with my utility company and mobile phone company.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant