"authoritative" opinion, you have once again hit upon the crux of the biscuit... The same jagoffs that can be bought in the DMV/BMV can be bought in the National DB... GIGO. There is technology is definately there, the safeguards (wetware) is no where close. I think I must pass on this one as well.
Anyone who has had an erroneous credit "problem" knows all too well how crazy things can become quickly. I had the "fortune" of having some poor slob who had a very similar social security number hose my credit rating for a few months. It cost me over $1000 all told to "clear my name"...
Yep, gonna pass if I get a chance to vote on this one... Might even vote!