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I would also point out the CRAs and creditors do not technically own the information either. From what I've read the courts have ruled that a unique compilation of facts can be copyrighted, so if you get something like a credit report the report itself may be "owned" as presented by the CRA; but the individual facts contained within are definitely not.

This is similar to the copyright rules regarding cookbooks. Listing the ingredients does not fall under copyright provisions. Describing what to do with the ingredients: what is to be added to what, how high the heat is, and all the other things that go into cooking, can be protected.

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