> Why would they find it creepy? You wouldn't need to say your using credit history. It would be as simple as asking the user a question "Please validate your a real person by answering these few questions". As far as the user is concerned it's just a few questions and answers.

If the questions were about my credit history then this is a deal breaker.

There is no way a site like yelp can get me to authenticate by answering questions about my credit history and I suspect that the vast majority of people would agree.

Now, facebook credentials, that's a different story.