Trax: The Experian connection …

Something caught my eye, buried deep in the weeds of the chatter re: the ObamaCare web site fiasco.

Forbes had an early-on article theorizing that a major cause of the web site problems was the Feds insistance that folks shouldn’t see potentially shocking list prices, but rather should input a lot of their private data so that they can be flashed a net price – after government subsidies.

That’s old news … and, you can believe it or not.

Here’s the passage that got me thinking:

The core problem stems from “the slate of registration systems [that] intersect with Oracle Identity Manager, a software component embedded in a government identity-checking system.”

The main web page collects information using CGI Group technology.

Then that data is transferred to a system built by Quailty Software Services.

QSS then sends data to Experian, the credit-history firm.


Experian – one the 3 major credit bureaus.

Why get a private sector credit bureau involved?


At first, I thought the Feds might have stumbled on a borderline brilliant idea …

In a prior post, we questioned how the Feds would validate somebody’s eligibility for a health insurance subsidy.

IRS data is generally too old … since tax returns are at least a year out-of-date.

Payroll tax collections are a good current indicator – but are incomplete.

So, why not ask the credit bureaus for some data.

They ID people based on social security number, address, date of birth, etc.

And, they track folks how much people pay against their outstanding loans …  mortgages, car loans, credit cards, etc.

Pretty good indicators or earnings, right.

Still, not the number to validate whether somebody qualifies for an ObamaCare subsidy … but, more good data for triangulating to an answer.

Nice idea.


In fact, imagine how an alliance between the Feds and the credit bureaus could help fight fraud in government programs.

Maybe somebody is claiming disability, but tells the credit bureaus – in order to get a credit card — that they have a job.


Or, if a self-identified poor person is spending like a banchee on current credit cards, maybe they don’t really qualify for food stamps.


I was thinking – turn all of this credit bureau stuff into a predictive analytics model – to ferret out cheats.

Not bad, huh?


But, my dreams were quickly squashed when the Feds announced that they wouldn’t use the eligibility data from Experian to ID illegals who are trying to claim U.S. entitlements.  Source

I guess these guys only use predictive analytics to get elected.

Oh well.

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