"A number of startups are helping banks decide whether to extend a loan by mining social media to predict whether a person is creditworthy" I thought the whole

"A number of startups are helping banks decide whether to extend a loan by mining social media to predict whether a person is creditworthy" I thought the whole point of going to the "credit score" system was the remove any risk of bias (or accusations of bias) from lending. Isn't social media mining just going to bring back the exact same issues?