I like the idea that the unique identifier comes from the credit agency rather than the individual... Though this requires open disclosure of credit reporting data, which might not be a bad thing, all things considered...<p>How do they validate you, though? You give them the unique ID, but what&#x27;s to keep you from reporting someone else&#x27;s with a FICO score of 800 (top of the chart, for those outside the US).