Your Data Is

Out Of Control

Take back control of your identity and join a decentralized network of users accessing the global financial economy.

Learn how we collect and use your information by visiting our Privacy Policy›

 

FreshCredit® is a financial technology company, not a bank. Banking services will be provided by a regulated member of the FDIC to be announced at a later date.

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THE RISKS

Why should you control your data?

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CORPORATE COMPANIES ARE WATCHING YOU
Data​ ​brokers​ ​freely​ ​collect​ ​and​ ​resell​ ​records​ ​with​ ​your​ ​personal​ ​information,​ ​spreading​ ​intimate details​ ​from​ ​one​ ​person​ ​to​ ​another.​ ​​ ​These​ ​companies​ ​know​ ​about​ ​you​ ​more​ ​than​ ​your​ ​friends, relatives​ ​or​ ​neighbors​ ​do.
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DATA BROKERS CAN PREDICT YOUR BEHAVIOUR
The​ ​more​ ​a​ ​company​ ​knows​ ​about​ ​a​ ​customer’s​ ​interests,​ ​the​ ​better​ ​they​ ​can​ ​promote​ ​specific products​ ​to​ ​their​ ​target​ ​audience.​ ​To​ ​aid​ ​with​ ​that​ ​goal,​ ​businesses​ ​use​ ​both​ ​online​ ​and​ ​offline data​ ​about​ ​consumers​ ​to​ ​determine​ ​what​ ​advertisements​ ​to​ ​show​ ​them​ ​online.
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UNVERIFIED PUBLICALLY AVAILABLE DATA COMPROMISES YOUR REPUTATION
Employers​ ​do​ ​not​ ​have​ ​to​ ​dig​ deeper ​to​ ​find​ ​out​ ​whether​ ​you​ ​are​ ​a​ ​trustworthy​ ​person​ ​or​ ​a​ ​good employee.​ ​All​ ​they​ ​have​ ​to​ ​do​ ​is​ ​to​ ​Google​ ​your​ ​name.​ ​Data​ ​brokers​ ​collect​ ​your​ ​personal​ ​data but​ ​don't​ ​bother​ ​to​ ​verify​ ​its​ ​validity.​ ​Any​ ​untrue​ ​or​ ​erroneous​ ​information​ ​about​ ​you​ ​could​ ​harm your​ ​future.
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MARKETERS USE INFORMATION TO TARGET YOU
Brokers​ ​store​ ​data​ ​about​ ​nearly​ ​every​ ​U.S.​ ​consumer.​ ​Your​ ​purchase​ ​behavior,​ ​financial​ ​habits, personal​ ​interests​ ​, and​ ​consumer​ ​information​ ​is​ ​a​ ​valuable​ ​commodity​ ​to​ ​marketers.​ ​They​ ​claim to​ ​do​ ​this​ ​in​ ​order​ ​to​ ​enhance​ ​your​ ​shopping​ ​experience​ ​and​ ​offer​ ​to advertise​ ​targeted​ ​to​ ​your interests.​ ​As​ ​a​ ​result,​ ​you​ ​just​ ​spend​ ​more​ ​and​ ​more.
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SENSITIVE DATA CAN FALL INTO THE WRONG HANDS
With​ ​all​ ​variety​ ​of​ ​data​ ​displayed​ ​on​ ​a​ ​general​ ​view,​ ​there​ ​are​ ​more​ ​chances​ ​to​ ​become​ ​a​ ​victim of​ ​identity​ ​theft​ ​than​ ​ever​ ​before.​ ​Social​ ​network​ ​shares,​ ​likes,​ ​subscriptions,​ ​telephone​ ​orders, and​ ​online​ ​transactions,​ ​personal​ ​addresses,​ ​age​ ​, and​ ​zip​ ​codes-​ ​this​ ​is​ ​just​ ​the​ ​tip​ ​of​ ​the iceberg.​ ​It​ ​takes​ ​seconds​ ​for​ ​scammers​ ​to​ ​find​ ​personal​ ​data​ ​about​ ​you​ ​and​ ​your​ ​family members.
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PUBLIC RECORDS PUT YOUR KIDS IN DANGER
There​ ​are​ ​certain​ ​regulations​ ​limiting​ ​collecting,​ ​selling​ ​, and​ ​using​ ​private​ ​data​ ​directed​ ​to children​ ​under​ ​the​ ​age​ ​of​ ​13.​ ​However,​ ​sites​ ​like​ ​whitepages.com​ ​confess​ ​they​ ​may​ ​publish information​ ​for​ ​children​ ​unknowingly.
  • THE PROBLEMS
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The total number of credit bureaus makes this highly centralized and risk. Equifax 2017 data breach of 130M consumers.
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The FTC and CFPB report that over 30% of credit reports contain errors that could be negatively affecting consumers scores.
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The FBI reports that fraud is up 35% from the previous year in 2020 and will only get worse as a majority of consumers don't report it.
  • THE SOLUTION
    The BlockID is a dynamic NFT enabling users to privately and securely manage and leverage their personal consumer data. Users can connect with over +11,000 compatible applications, institutions, and alternative data sources, including digital assets, with their BlockID. Serving as a sovereign global financial identity allows lenders to provide compliant lending options to consumers and businesses without exposing the personal or sensitive data of the user.
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      The value of credit scoring
      The implementation of credit scores in the auto sector increased the minimum downpayment by 41% across the entire market from one year to the next.
      John Doe, Stanford University
      View case study

      PRODUCTS & BENEFITS
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      PROTECT YOUR IDENTITY
      Protect yourself from identity theft with free data breach monitoring service available through the app.
      Learn more
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      PRIVACY MADE EASY
      Leverage the power of blockchain to create a fully decentralized, digital identity that only you control.
      Learn more
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      REWARDS FOR DATA
      When you sync data with the network you will receive newly minted FRESH tokens.
      Learn more
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      ALL-IN-ONE SIMPLE APP
      Everything you need to take control of your identity and credit, all in one simple app.
      Learn more
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      HOW IT WORKS
      Seamless integration
      Quickly check your credit score and monitor your credit without exposing your data, all for free.

      Do you have any questions about how we can fit into your business?

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