Credit Checks worthiness - Experion etc?

I know people who have been labeled as bad debtors etc stopping them form future credit such as vital mortgage when in fact their error was simply that an error not a criminal act of deceit or deliberate non payment.
Yet they are marked for years and unable to get credit. This is unfair and unjust.
What do you think - is there too much power with companies such as Experion?
I am wanting fairness not a total bias against credit checks?

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