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Credit Scoring

Inquire users' credit scores to credit scoring services without letting know who you are registering.

Services typically financial services require to assess user's credit before registration. For that purpose it is common to use credit scoring services (CSS) such as CIC and JICC in Japan.
However financial services need to inquire to the CSS with the user's name (e.g. Alice) they are registering, which will tell the CSS "we are going to register Alice as our customer".
If you are inquired by some loan shark (Yamikin, 闇金), you will have a chance to have a negative impact to your credit score.
If a CSS supports PIRs for their inquiry, there is no chance to learn the connection between you and financial services. This will improve privacy dramatically.

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Last modified 5mo ago