Bill Demirkapi, a sophomore at Rochester Institute of Technology, was shopping for student loans when he found a lender that would check his eligibility with just a name, address, and date of birth
Demirkapi was surprised and decided to take a peek at the code, which showed that a connection to an Experian API was behind the tool
Demirkapi said he was even able to build a command-line tool that let him automate lookups, even after entering all zeros in the fields for date of birth, which he named, “Bill’s Cool Credit Score Lookup Utility.”
In addition to raw credit scores, Krebs said that he was able to use the API connection to get “risk factors” from Experian that explained potential flaws in a person’s credit history.
