> If you could create a system using publicly available data The problem is, making people's financial transaction data public is essentially illegal and repre

> If you could create a system using publicly available data The problem is, making people's financial transaction data public is essentially illegal and represents a competitive advantage. You'd have to start with convincing major banks / credit issuers to report people to you. With that data, you could build what you suggest. The real hurdle is convincing people to do that and complying with the regulations.