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Makes you wonder what will happen to people who don't have those accounts. Will their credit score *suffer*, like those without credit cards? Or it is considered responsible that you don't have a massive network of friend-whores.
This has got to be BS. The article states "Rapleaf not only categorizes your profile, but it stores your social networking contacts, too. So if your friends have good credit, that tidbit gets picked up by the lender, and can turn the tide and help get your application approved." How in the name of G. Gordon Liddy are they going to find my Facebook friend's credit score?
Plus the fact that I don't use my full real name for anything and I would NEVER put my SSN on there so good luck to them trying to find me on any of my social profiles.
Most people put their real names on Facebooks, in order that others from their past might find them. With demographic comparisons, they probably don't need SSN's to make an educated guess on who is who. Figure if there are 200 people in the country with my exact first and last name. Spread out, there might only be twenty in my state. Probably only five or so in my city. Narrow by age, sex, place of birth. Place of birth also generates the first key of an SSN, so between those factors, their chances of matching a Facebook profile to credit score are, not perfect, but probably good enough.
I'm sure there are other bits of info on Facebook that can firm up the match even better. As I've heard it described, quite adequately in my opinion, each and every Facebook account is a Privacy Chernobyl just waiting to happen.
Unless you give out information about yourself, of your friends post notes with your real name, or info about meetings with address, or phone numbers, or you talk about your job giving specific info about what you do and where, or your friends post info about them on their facebook, and then relate to you as co-workers, neighbors or something like that - there is no way to find out who you are and where you live. You have to watch what kind of info you post. Even if you don't post anything about yourself, but your friends do, there is a easy way to find out who is who. When you have a bunch of friends you know in real life, then there is a great possibility that they could post sensitive info about you without your knowledge.
You don't even have to be visible on the Internet to be subject to data mining. There's a Background Check application available for free on the iPhone that did a flawless job of identifying my adult relatives, even those in other states.
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