Yodlee|Envestnet Risk Insight Report

I don't know much about this space, but the description sounds a bit scary:

"With Risk Insight Report, lenders can see a complete view of consumer account and spending activity while maintaining consumer privacy. By injecting user-permissioned financial data into existing credit bureau and custom models, Risk Insight Report enables lenders to make more informed lending decisions, based on a comprehensive financial snapshot of each borrower."