To add to what jdale27 said, here's another quote from a related article- "Hong Kong-based Lenddo takes it one step further by using a debtor’s social connectio

To add to what jdale27 said, here's another quote from a related article- "Hong Kong-based Lenddo takes it one step further by using a debtor’s social connections to exert pressure if he or she defaults on payments, according to the Journal. For example, the start-up will tell customers’ Facebook friends if they haven’t paid, and the friends’ Lenddo scores could suffer if the customer fails to repay the loan. " Just plain weird to me if you ask my opinion. Link: http://knowledge.wharton.upenn.edu/article/the-social-credit-score-separating-the-data-from-the-noise/ http://knowledge.wharton.upenn.edu/article/the-social-credit...