Have you ever had to verify your identity online? I had to recently. The some of the security questions were people and addresses, even employers, from as much as 20 years ago - and they were instant, answer one, the next one comes up. We have no secrets.
I agree, there are no secrets. However, I highly doubt the color of one’s skin is in those regression equations that Experian and the other credit companies use. If it were the liberals would be screaming to high heaven.
The credit companies don’t need to use skin color. All they need to use is bill payment history.