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Rover Tull
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Posted - 2011.08.08 01:36:00 -
[1]
Due to the unique scamming properties in eve, every time someone asks for a bond or investment, a complete audit must take place, API must be given, and forum posts scoured. There should be a Corp that does all this and assigns a numerical credit score. You would pay a fee and gve your API and the Corp would list you on a database, with the date of the audit next to it, to encourage people to pay to update their scores.
Idk how to do an audit, but you would just factor in all of the variables e.g. Character age.
This seems like both a profitable business model and useful service, making it easier to get loans accepted.
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Tom Gerard
Caldari Blue Republic RvB - BLUE Republic
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Posted - 2011.08.08 01:38:00 -
[2]
E-Bank did a great job of this until they scammed everyone.
EVE is about scamming, the "credit reporting" company would eventually scam anyone =P
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Rover Tull
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Posted - 2011.08.08 01:42:00 -
[3]
Btw suggestions wanted!
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Rover Tull
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Posted - 2011.08.08 01:47:00 -
[4]
Yeah that's the whole key to this thing, trust. There would be people with bad scores trying to bribe the dude making his score. Maybe anomity (real word??) is necessary. Also it would be a paid service so that might cut down on bribers.
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Rover Tull
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Posted - 2011.08.08 01:57:00 -
[5]
Also, it would be a voluntary service. So a guy that wants a 1 b ISK loan would pay to have his score created. Then he can post the link to his request topic. People could base their decision on that or do their own research. There would need to be a bunch of test people to build confidence in the system.
Maybe offering insurance (or just free) to people, so that if someone with a high credit rating scams you, you can give proof to the Corp and get some of your ISK back.
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Henry Haphorn
Gallente
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Posted - 2011.08.08 02:54:00 -
[6]
A Corp already did that. E-Bank started the same way, worked for a very long time and then... one day... decided to walk out the door with everyone's investment. He then gave everyone the biggest, douchiest middle finger New Eden has ever witnessed. The End.
Moral of the story, the credit system is based on trust that is easily exploitable no matter what you do.
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Rover Tull
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Posted - 2011.08.08 03:09:00 -
[7]
Edited by: Rover Tull on 08/08/2011 03:12:47
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Rover Tull
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Posted - 2011.08.08 03:12:00 -
[8]
Yeah but they took deposits. This would be like a third party kind of thing. You couldn't just walk away with the ISK because there is none.
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Abdiel Kavash
Caldari Paladin Order Fidelas Constans
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Posted - 2011.08.08 03:45:00 -
[9]
If it isn't obvious, said company could just start a new bond/investment with their alts, use the anonymity to hide that it's nothing but sky castles, give themselves a 10/10 rating, grab all the ISK and run. If executed right, they could even take their hands off the case, survive past this, only to repeat at a later date. ---
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Digital Messiah
Gallente Oregami Ultd
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Posted - 2011.08.08 04:05:00 -
[10]
So long as Chribba is overseeing the credit scores I could see this working. Or perhaps having everyone register on a site that recorded successful loan and audits through API. All he cares about is the veldspar "baby". Which is why I put my confidence in him. Regardless of the other countless transactions he has done.
Quote: "Frankly, my dear, I don't give a damn"
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