As I have noticed on here, it is hard to keep track of lendees. I would seem to me that a centralized clearing house needs to be built this is what I am thinking about...... Lenders let me know what you think
Each user is gets a Unique Id " Like a Social Security#" Lets call it a Bit-curity Number
attached to each Bit-curity number would be
Users Name
Email
Age
Location
facebook
Previous loan history
Bitcurity credit score
Comments from lenders
Forum Name
Employment Length/avg paycheck/pay schedule
----Options----
Verify Identity
U.S Credit check
How the system would work.
For new users they would go to the website and apply for a bit-curity number, for old members that have loans and previous data the lender will send the data, they will be given a number and it will be attached to there account.I Would not ask the lender for any info besides the holders Forum name. It would be up to the lendee to fill out and verify the information. Lenders could come to the site login to there account and put in a bit-curity number and all the lendee credit info would come back, as well as if they are Verified and if they opted for a U.S. credit check. I understand everyone is not from the U.S.
All lendees would be able to obtain there report one time per X amount of time.
Lenders would pay a nominal fee for the use of the clearing house maybe per use or per month whatever would be more logical
How the rating system would work it would give a
Amount of bitcoins in loan right now
Default indicator
Score by number
Score by letter
So it would look something like this
bit-curity # Loaned Risk Score
#1111111111 1BTC NR 100E
Open to comments or thoughts
I also would like to bring on a someone with MYSQL and website experience to help
Might be a little late to the party. There are a few people that are trying to implement this.
