Back in the last century, iirc, or the very early 2000’s, I logged-out of my desktop ( linux ) one time & discovered there was a new user on my machine…
the new username was “you are dead”.
1st time I knew I’d been cracked.
Not a nice feeling.
Educational, however, & motivating…
did me good.
I’m glad the person was more interested in communicating my trusting foolishness to me, than in doing real harm…
_ /\ _
While this is good for privacy, …
… it is disasterous for lenders trying to comprehend the risk in lending to a particular individual.
Economic-integrity requires that credit-ratings be accurate, for organizations/companies AND for individuals.
_ /\ _