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Experian API Exposed Credit Scores of Most Americans
- toomuchtodo 6y ago> Demirkapi found the Experian API could be accessed directly without any sort of authentication, and that entering all zeros in the “date of birth” field let him then pull a person’s credit score. He even built a handy command-line tool to automate the lookups, which he dubbed “Bill’s Cool Credit Score Lookup Utility.” Everything is broken and no one with any authority cares.
- hedora 6y agoI wonder if this gives out the “real” credit scores that are used for mortgage and loan applications, or the gaslight score that’s given to consumers when they check their own score. I wish they’d just ban credit reporting agencies. Court records are public. If I owe you money, and won’t pay, sue me. Future lenders will see that.