Validating identiy

As long as I'm on the topic: credit decisions were highly discriminatory in the human underwriter era.

"Tom is a good Christian, of course he'll pay his debts...

You only care about the data sources backing that math, which are at the CRAs, and the actual accounts underlying the data, which are maintained by banks.The overwhelming majority was due to a series of errors, some dating to before I was born.Resolving that took a few months, and in the end, I had a clean credit report with one minor ding (a 0 doctor copay that I thought my parents had paid when I was in school).Well, owing to systemic vulnerabilities in consumer credit infrastructure in the U.S., when I graduated college and started acting as an adult with regards to finances, I realized that my credit report contained a few hundred thousands of dollars of debt.

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