I'd like to make a suggestion.
There probably are some people, who prefer to lend their coins on btcjam and remain anonymous at the same time. (I am one of those.) However, current rating system does not allow such people to rate other users, as the credit rating stays 0/17, while 3/17 is required to rate other people (correct me if I am wrong). Would it not make
sense to (also) give the priviledge to rate based on some combination of bitcoins invested and reputation?
Verifying a couple things like your phone and social networking profiles will allow you to have a rating as well as basically stay anonymous. The moderators would be the only people who are able to see anything and you would therefore be anonymous to any other user on the site.