Another view against monopoly is that in the era of big data, the contribution of credit information field is limited. Through big data credit reporting, we can skip the mode of credit reporting in western countries and develop a brand-new credit reporting system.

For big data credit reporting, the author does not agree (see Caixin column "Garbage in and Garbage out": the problem of big data credit reporting). Advocates of big data credit only see that credit information solves the problem of information asymmetry in the process of credit transaction, but ignore that credit information is valuable to the owner of credit information and can be used as collateral.

According to American law, credit reporting agencies must provide consumers with a new credit report every year. The last four to five pages of the report will introduce the powers given to information owners by the Fair Credit Reporting Act, and tell the credit reporting owners in detail how to solve the problems caused by information errors, falsehood or identity fraud. For the American middle class, a credit report is a credit record that has been tested and verified by the information itself. The value of this record is much higher than the credit card limit or other small loans, so most Americans will not ruin their credit because of thousands to tens of thousands of dollars in debt. Under the black-box operation mode of big data credit reporting, it is difficult to verify the accuracy of this information, and accuracy is the first element of credit reporting.

In addition, the construction of credit information system is a part of the construction of anti-corruption system. The improvement of credit information report will make more and more transactions change from cash transactions to credit transactions, and credit transactions are recorded. If a citizen's consumption is far greater than his legitimate income, the source and legitimacy of his consumption funds will be questioned.