My solution is make a site called credit.gov This would be the final say in any credit accounts, accounts not listed here are not legal debt (ie they cannot be

My solution is make a site called credit.gov This would be the final say in any credit accounts, accounts not listed here are not legal debt (ie they cannot be collected or sued for) You can still use SSN for identification but authorization would require more. I imagine maybe a few different levels of security: 1. Password (or list of passwords) you can set/change in person at any post office. The company adding the credit account would need this password to register the debt. 2. Yubikey or other auth token you can register at the post office to create one time passwords for companies creating credit accounts. 3. Every new credit account requires physical confirmation at the post office. Then just setup really good cameras (maybe face scanner or biometric scanner) at every post office and make it like a 10 year felony to impersonate someone at the post office. The scammers will be out of the system very quickly.