Big-three consumer credit bureau Experian just fixed a weakness with a partner website that let anyone look up the credit score of tens of millions of Americans just by supplying their name and mailing address, KrebsOnSecurity has learned. Experian says it has plugged the data leak, but the researcher who reported the finding says he fears the same weakness may be present at countless other lending websites that work with the credit bureau.
Security Researcher Bill Demirkapi found the Experian API could be accessed directly without any sort of authentication, and that entering all zeros in the “date of birth” field let him then pull a person’s credit score. He even built a handy command-line tool to automate the lookups, which he dubbed “Bill’s Cool Credit Score Lookup Utility.”
In addition to credit scores, the Experian API returns for each consumer up to four “risk factors,” indicators that might help explain why a person’s score is not higher.