zlacker

>>Rooste+(OP)
We've always wanted to build a service which provides authentication through credit score verification. Whether its applied to dating apps, product review sites, HN. I'd sure love to filter by 650+ only. I'm certain it's illegal but it sure would help.

>>chaseb+Xi
What happens if someone had no debt, and thus no score? Lenders see this as a negative (to drive more business), but is likely a positive sign, as it means they live within their means and can get their bills paid without leaning on debt.

>>al_bor+xI
I wasn't suggesting that people wouldn't be allowed to participate without a score, (which I think everyone has a score regardless of no debt?). I was suggesting that login / auth takes place by credit score verification. This would solve a couple problems. First, and most important, we know it's a real person commenting / participating. Second, systems could be designed to filter by score. For instance, if I'm researching products on reddit, I'd sure love to know A. it's a real person, and B. to filter by some score threshold. I'd wager people with higher scores have less incentive to get paid to shill some product online.

Anyways, from the little research I've done, it's certainly illegal and not a proper mechanism for authentication. One can dream though :)