As of when I posted this comment, there's a formatting error in your statement — there's a whitespace character after your second opening parentheses that was m

As of when I posted this comment, there's a formatting error in your statement — there's a whitespace character after your second opening parentheses that was meant to precede it. That typo indicates that the component of your credit score that is derived from your HN participation should be scored lower than those whose HN comments do not include any typos, because if you're more likely to overlook a single-character error, then you're more likely to overlook a loan payment. By your argument, it is permissible and appropriate for a credit rating company to make use of any signal — such as that typo — in their calculations. It's a business opportunity to make use of HN's freely-available data to charge you a higher interest rate for loans, because you made a typo, as by the evaluation metric "typos on HN" you're more careless than someone with fewer. It may or may not end up actually being an effective tool for increasing the accuracy of a credit rating, but there's no law prohibiting a US credit agency from trying it out today. I do not feel that this is acceptable. I think it's an invasion of privacy to incorporate that information into your financial score, even if it technically would improve the precision of the score when applied to everyone in a society. I think that credit scores should have their inputs restricted by law to only consider your financial behaviors. ps. The above example is impersonal and generic, and the point I'm making is not intended in any way to actually reflect poorly upon you at all. I do not as an individual consider your typo to in any way detract from your statement, and I think it's inappropriate to judge you so harshly as I suggest a credit agency would above. You should not be shamed or penalized for a typo in this forum.