2 ms·

I like the idea that the unique identifier comes from the credit agency rather than the individual... Though this requires open disclosure of credit reporting d

I like the idea that the unique identifier comes from the credit agency rather than the individual... Though this requires open disclosure of credit reporting data, which might not be a bad thing, all things considered... How do they validate you, though? You give them the unique ID, but what's to keep you from reporting someone else's with a FICO score of 800 (top of the chart, for those outside the US).

WorldMaker 11y ago
In such a hypothetical world the main thing stopping you would be that in many cases you would need to provide three such identifiers (Equifax, TransUnion, Experian) to get a full credit report. Presumably that redundancy alone would actually help catch fraud in that world.