How can you give me a score

Could someone please help me understand how can this maffia organisation rate your credit score and influence the interest rates your get on your loans? Only in South Africa, you get asked permission when you sign a contract with any business to share your personal details with other businesses for advertising purposes. But if you have any dispute about any payments that same business can put your name without any court order or judgment on a Credit Bureau. LOL. Eg. Telkom, RCS. and then Transunion Credit Bureau are also links to Hello Peter? Why don't you rather link your findings to the reviews of the businesses and see all the problems people have with businesses like Telkom(HELKOM) and RCS before you elegantly place all my personal details for all to see on your ******** credit rating system?