Using stolen corporate IDs to steal personal IDs

Stealing personal financial information is evidently not so hard if one has the usernames and passwords used to access commercial accounts at the credit checking bureaux. Said bureaux claim to have sharepened up their act after tens of thousands of credit records had been stolen and presumably exploited for identity theft using a former employee's credentials.

It appears there is a conflict between the need to make the credit checking process as easy and quick as possible (for example when someone in a retail store requests credit to buy a car, furniture or expensive electronics) while at the same time protecting the identities of the individuals being checked.