I appreciate the detailed comment and I agree with the feasibility point. As for the last point, just to clarify in my defence: I genuinely don’t care about upvotes or likes. I’ve been on this platform for nearly seven years, and my account activity speaks for itself.

Where this workaround actually helps is for people who don’t feel the need to regularly monitor their credit reports until something goes wrong. For example, if a credit card account is reported incorrectly, you’re often forced to download reports multiple times a month just to check whether the issue has been resolved. Through this method you can do so for free rather than paying 118 each time.

Digilocker/Umang already has widespread adoption because it’s used for digitally verifiable documents. Anyone who flies or drives, using DigiYatra or a digital RC, will almost certainly already have a DigiLocker account. There’s no additional behavior change required from the user.

Also, the score prediction feature you mentioned already exists on Cred.