Forget about it's past 25 yrs.
It was not there even much later.
Why take a subscription for the next 25 yrs ? As CIBIL n other rating agencies are NOT Govt bodies or are regulated by Govt body, there is increasing resistance and opposition to these private agencies dictating terms of credit. Already a lot of MPs/State Govts have expressed their unhappiness over these private agencies.
Max - in next 5 years - they may even vanish. I hope it will happen, for sure.