We shouldn't be oblivious to those advantages and disadvantages, since then we can't decide as a society whether those advantages and disadvantages should remain or be altered. That alone is a good reason to regulate this away.

Or at the very least, require Equifax to send free physical mail notifications to everyone when their data is accessed, stating when, by whom, why, and what answer was given. (Physical mail because there's no other predictable way for the general population.) Yes, I realize this would be financially unsustainable for Equifax as they currently operate, but that's their problem to solve. Even as someone who myself has excellent credit and many years of high income in my file, they're creepy and shouldn't be catered to at the expense of our privacy.