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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.'

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You'd better hope that these automated scanners can detect quotes.

(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.

Now (s)he's both going to default and uses bad grammar, definitely bad for your rating.

http://en.wikipedia.org/wiki/Muphrys_law

Oh, I've long since given up on worrying about that.

Besides, this doesn't count. It's a humorous grammar correction.

I thought the error served only to add to the humor :-)

I probably have the best financial habits of any of my friends.

Which, by this logic, somehow makes me a credit risk.

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.

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