That's an interesting angle. The troublesome part is that credit reporting is a two-sided B2B marketplace. You need to convince people to report debts to you AND convince lenders to make lending decisions based on your reports. On top of this, you have to have a B2C facing function for FDCPA and FCRA compliance, and they're very toothy rules to fall afoul of.
All certainly true. I was thinking an interesting angle would be to provide better visibility to the debtors - no limits on the number of times you can check, notifications when things are reported - which might both make the data more accurate (and thus more valuable, one would hope) and make getting in touch with people easier, and make the whole thing less awful.
