When the article got to mentioning encryption... I do not understand what they are proposing. How would it be possible for the customer to hold the key necessa

When the article got to mentioning encryption... I do not understand what they are proposing. How would it be possible for the customer to hold the key necessary to decrypt the credit record? Credit records are not read-only. Other parties have to be able to submit additions to your credit record, like if you fail to pay your water utility bill or something. So how exactly are they going to append to your locked credit record? Would creditors have to contact the customer and get them to provide the key in order to encrypt a new addition?