Are you looking for an actual credit-check service with an API? or are you 
looking for the bank that would actually back the credit line?

For checking credit ratings, I guess you could check to see whether Experian, 
Equifax, and TransUnion have APIs.  Still, not sure you would be able to verify 
that a person was who they said they were, but those are the 3 primary credit 
reporting services, so they should know. 

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