The current state of credit scores worldwide is miserable. In each country, the system is flawed and subjective in how you are evaluated. Move to a new country? You have to start over. No credit card? you may not have credit in the United States. Not registered to vote? This will hurt your score in the U.K. Then there is the lack of privacy. Centralized agencies like Equifax cannot keep your info safe. So we discuss how blockchain could fundamentally change it. And a group of bright, young minds is working on just that at Bloom. Timestamps