Agreed, more access cannot make things more secure, that is the definition of less security. It does allow them to have access to data.  I would assume they use this to advertise loans or sell that info to other people for advertising purposes.  It provides nothing useful to us as users, but they push it like it their business might fail without it.  Which is possibly true. I really wish they would at least admit that it isn't for security and they are unwilling to give up their access to the data.