Maybe what we need is an open source blockchain application that keeps track of every event in your credit history, with YOU authorizing every view.
Every time you use credit, you'd be authorizing that creditor to add events to the records for that use, until they mark it paid off. Otherwise, nothing else gets into your history. And you'd be able to comment on any of those events, of course.
Of course, it would also need to support multi factor authentication and keep all data related to that secure. Might be hard to do that, but seems pretty hard in the existing industry.
Every time you use credit, you'd be authorizing that creditor to add events to the records for that use, until they mark it paid off. Otherwise, nothing else gets into your history. And you'd be able to comment on any of those events, of course.