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Comment by mrt0mat0 | Hacker News Reader

When I finally get a handle on my credit score, they have to come in and make my facebook profile another factor.... Next it will be my sleeping patterns, because some article somewhere said that sleeping patterns determine your likeliness of paying your bills on time.

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Check again, this has nothing to do with your FICO, it's about some companies who are lending to people who don't have that sort of credit score, or another that is lending to small businesses that can add social media to FICO in their decisions:

"Borrowers grant Kabbage access to their PayPal, eBay (EBAY, Fortune 500) and other online payment accounts, disclosing real-time sales and delivery information. The company says it can determine a business' creditworthiness and put money into its account in just seven minutes.

Once a small business is getting credit from Kabbage, it also has the option to link up its Facebook and Twitter accounts to the site, which could provide a bump in its "Kabbage score." The small businesses that do are 20% less likely to be delinquent on their loans, Golin said."

The article's real title is a lot better, although still link baity: "Facebook friends could change your credit score"

Honestly HN out to ban CNN links. I haven't seen an article from them that wasn't linkbait.

And driving patterns and browsing patterns and places you frequent and type of drinks you consume and job history and exercise frequency and weight and what you watch on TV and stool sample and reddit karma and sperm count and number of icons on your desktop.

That will be for the upcoming health insurance quotation system. It already vaguely resembles what I went thru for a life insurance policy.

If only it were bilateral.

"Dear insurance companies, I'm shopping for a policy. Please fill out this bid form so I can verify your business history, tax compliance, carbon footprint, employee demographics, political contributions..."

Hmm, since I'm female, I'm a little worried my sperm count might be low... I do have plenty of icons on my desktop though. Do you think that will help?

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