This is an interesting article in that one is urged to provide ones personal ID details to a company to solve the problem. Those credit check agencies all require ID. Provided online. No guarantee of safety. What if they are scammers? ie: a scammer is posing as them? how to verify of one is even on the correct website? Not really safe enough. Any company that could be applied to for a loan should have multiple checks in place before approving a loan. The system of having to regularly do a credit check is ridiculous- clunky, inefficient, costly and will in future provide another handy avenue for scammers. Go back to the personal application in at a bank branch. All else is too unsafe.

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