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Precisely: identity management is a house of cards. It actually seems, at this point, completely indefensible for the credit system to rely on name, SSN and address as identifiers, since there's really no guarantee that the person who ran out on a loan over here who claimed to have that name/SSN is the same as the person over here who is applying for a mortgage who supplies the same name/SSN.

If a bank got screwed on a loan deal by someone, and all they have to claim it was youis that the person told them your name and SSN? Really, at this point, with so many SSNs leaked, how can they justify blacklisting you with a credit check bureau?

I think you're right. Publish them all. Force banks to come up with a better solution.



> how can they justify blacklisting you with a credit check bureau

On the last Anthem story, someone linked this Mitchell & Webb audio clip: https://www.youtube.com/watch?v=CS9ptA3Ya9E which completely nails it.


> Publish them all. Force banks to come up with a better solution.

But then banks would incur additional expenses, and they would have to, like, reduce executive bonuses or something. That would be terrible!

/s


Reduce bonuses? Ha. More like passing the buck to their customers?




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