# 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. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.ellipticpir.com/applications/credit-scoring.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.