> For the complete documentation index, see [llms.txt](https://docs.ellipticpir.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ellipticpir.com/applications/credit-scoring.md).

# Credit Scoring

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](https://www.cic.co.jp/) and [JICC](https://www.jicc.co.jp/) 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.