...Excuse me? Is there a way that could be better rephrased?

What was the option for what? You're replying to a post about discriminating against a divorcee, but having the landlord hide it behind the justification of "bad credit".

Not to be the missing antecedent police, but are you referring to by 'ther option' the pre-existing excuse to paper over arbitrary discrimination, or to practice of lending/renting in general?

The answer is sadly important to the final assessment of meaning. I don't think you mean the former, but I figured I'd be daft and ask.

I hear ya. A landlady could very well find out someone is an Antivaxxer who lost their good job and took a lesser job and now has degraded credit and may deny the lease or may want bigger advance.

What do you suppose is a better tool you have or would build which hides this person’s history but can vouch for their creditworthiness or lack of it?

>What do you suppose is a better tool you have or would build which hides this person’s history but can vouch for their creditworthiness or lack of it?

I'm still lost on the part where we're stuck on having to be able to lookup a datastore managed by some private party in order to facilitate these arrangements?

I have no interest in perpetuating the credit bureau system. If you're convinced that it's some priceless fixture we must have, then we can talk about setting up a public Bureau; with strict regulations around what type of information they collect, how it is used, how it is dispensed, etc, security measures around its access, but most importantly, synchronous notification of the reported on by the Bureau, with services provided to the notified to aid in prompt remedy, or failing that a means dispute or correct fraudulent information.

Other than that, I object vehemently to these types of datastores. Welcome to investing. Them's the risks.

I've worked in finance. Finance for its own sake is not high on my list of things to facilitate. I also prefer discriminatory people be required to appear discriminatory.

I don't know how you can avoid discrimination. By nature of credit you have to discriminate the creditworthy form those who aren't credit worthy. On the other hand, sure, we don't need to know if someone voted for Biden or voted for Trump, is for vaccines or isn't for vaccines. You're still not providing a way for a creditor to make a judgement on someone's creditworthiness. A creditor, lacking that information may have to require advances or "security" payments which is more burdensome for the poor.

Looks at the how Japan handles apartment credit. It's a different system but in my estimation its a worse answer than Credit Bureaus are.