This is the result of a secret weapon criminals are selling access to online that appears to tap into an especially powerful set of data: the target’s credit header. This is personal information that the credit bureaus Experian, Equifax, and TransUnion have on most adults in America via their credit cards. Through a complex web of agreements and purchases, that data trickles down from the credit bureaus to other companies who offer it to debt collectors, insurance companies, and law enforcement...