Just to play devil's advocate, since I don't think they are a good solution either. Unlike healthcare I think you could use some of the properties of a blockcha

Just to play devil's advocate, since I don't think they are a good solution either. Unlike healthcare I think you could use some of the properties of a blockchain to help reduce the risk of leaking personal information during credit checks. For example: you could prove your identity by making a transaction and then show a timely series of past payments.