[pmarreck]

Odd that you think this would happen for my little idea when this hasn't happened for credit cards which is possibly the largest financial incentive possible. To my knowledge, I can't buy a credit score

[bluefirebrand]

Finance is a heavily regulated industry, so people trust credit providers with things like social insurance numbers, which are not transferrable between people

Your service would probably not be able to tie so uniquely to an individual, so there would be ways for people to transfer it.

Or just hire a company to pretend to be you for a while.