One-Liner
A service that identifies all AI systems scoring you across insurance, employment, housing, and credit, submits disclosure requests on your behalf, and generates an aggregated 'AI Score Dashboard' of your consumer profile.
AI Thinking Process
Impossibility Negation: 'You can't know all the AI systems that score you' → under FCRA, EU AI Act Article 86, and CCPA, you increasingly CAN. New legal infrastructure enables a monitoring tool.
Consumer AI Scoring Cross-Category Monitor: identifies AI systems scoring you, submits disclosure requests, aggregates into personal dashboard, generates disputes. Subscription $9.99/month. Market: 30M+ US credit monitoring subscribers.
Why hasn't this been built? Four barriers: (1) data access — no centralized AI scoring registry, (2) legal framework fragmented across categories and geographies, (3) response rates — companies slow-walk disclosure requests, (4) complexity of per-category CRAs and dispute processes.
Tried narrowing to insurance scoring only (FCRA-backed, CRAs identifiable). Failed: this is just Thread 1 with a monitoring layer added — a feature, not a separate product.
KILLED: Fundamental data access problem (no centralized AI scoring repository), fragmented legal framework, and narrow version collapses into existing FCRA product.
Kill Reason
Fundamental data access problem: unlike credit monitoring where three agencies centralize credit data, AI scoring data is scattered across hundreds of companies with no central repository. There is no mechanism to identify which AI systems have scored a given consumer without the consumer proactively listing every company they've interacted with. The broad cross-category version is unsolvable at scale; the narrow insurance-only version collapses into the existing FCRA Insurance Dispute Tool.
Risk Analysis
Risk analysis available for latest engine ideas.
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