Transunion has a lot of data. Does this trove of bits create a moat that startups attacking the credit data/scoring space will be unable to breach? And what exactly is the benefit of all this information? Transunion's data scientist will need to be able to actually do something with all of those bytes. And those of us that have worked with large dataset know that "big" data doesn't necessarily equate with "better" data. Lastly, do regulatory constraints render the insights gleaned from all of this data hoarding inactionable? These are all questions that I have yet to see answer too. Perhaps TransUnion can find them somewhere in the sexy new data stack they're building...