11 ms·

Is this really surprising? Of course a bank is going to check up to see if it can get any easy-dirt on you, and if you have a half-dozen comments over the last

Is this really surprising? Of course a bank is going to check up to see if it can get any easy-dirt on you, and if you have a half-dozen comments over the last year that you're barely making your existing card payments then it's really your own fault. If people dislike this behaviour by banks, there are banking regulations that can regulate this behaviour. Alternatively, you could just maintain a good online-image like most people try in the real world. I've been online since I can remember, and I knew from an early age to keep anonymity and privacy online. Why mature adults haven't figured this out is beyond me.

mschy 17y ago
The article notes that your credit will be affected (negatively or positively) simply by facebook "friending" the right or wrong people. That's hardly the same as having posted 'I am intending to default on my loan.'
- swolchok 17y ago
  You'd better hope that these automated scanners can detect quotes.
  - jerf 17y ago
    (S)He's doomed; (s)he used apostrophes instead of the proper double quotes. Now (s)he's both going to default and uses bad grammar, definitely bad for your rating.
    - mschy 17y ago
      Now (s)he's both going to default and uses bad grammar, definitely bad for your rating. http://en.wikipedia.org/wiki/Muphrys_law http://en.wikipedia.org/wiki/Muphrys_law
      - jerf 17y ago
        Oh, I've long since given up on worrying about that. Besides, this doesn't count. It's a humorous grammar correction.
        mschy 17y ago
        I thought the error served only to add to the humor :-)
- mortenjorck 17y ago
  I probably have the best financial habits of any of my friends. Which, by this logic, somehow makes me a credit risk.
  - djcapelis 17y ago
    If the statistical models show the diamonds in the rough who are responsible people in the midst of irresponsible people don't tend to default then no, not necessarily. The article merely says the information is being looked at. What each credit rating agency will find to be significant predictors is an entirely separate decision.

mschy 17y ago

The article notes that your credit will be affected (negatively or positively) simply by facebook "friending" the right or wrong people. That's hardly the same as having posted 'I am intending to default on my loan.'

swolchok 17y ago
You'd better hope that these automated scanners can detect quotes.
- jerf 17y ago
  (S)He's doomed; (s)he used apostrophes instead of the proper double quotes. Now (s)he's both going to default and uses bad grammar, definitely bad for your rating.
  - mschy 17y ago
    Now (s)he's both going to default and uses bad grammar, definitely bad for your rating. http://en.wikipedia.org/wiki/Muphrys_law http://en.wikipedia.org/wiki/Muphrys_law
    - jerf 17y ago
      Oh, I've long since given up on worrying about that. Besides, this doesn't count. It's a humorous grammar correction.
      - mschy 17y ago
        I thought the error served only to add to the humor :-)
mortenjorck 17y ago
I probably have the best financial habits of any of my friends. Which, by this logic, somehow makes me a credit risk.
- djcapelis 17y ago
  If the statistical models show the diamonds in the rough who are responsible people in the midst of irresponsible people don't tend to default then no, not necessarily. The article merely says the information is being looked at. What each credit rating agency will find to be significant predictors is an entirely separate decision.