I keep preaching to family members that they HAVE to be aware of social profile harvesters now. Those who keep their online personae squeeky-clean are going to be top of the pecking order for the best jobs this decade ...think of it as secondary resume'-building. Though I think it's largely over-hyped for the average consumer right now, I believe the situation is going to get far worse as technology expands to be able to digest this data in wholesale quantities. Even now, it's pretty easy to connect the dots:
Dot 1:
"Companies that provide so-called alternative credit information say their business is booming, even as the rest of the lending industry continues to shrink"
Lenders Look Beyond Credit Scores to Gauge Who's a Riskhttp://www.time.com/time/business/article/0,8599,1870450,00.htmlDot 2:
"Companies such as Rapleaf hunt and gather social networking transmissions, turning the conversations you have in your network into consumer profiles. These profiles provide banks with insight into your behavior patterns - what you like and dislike, want and don't want, do well and do poorly."
Can your comments affect your credit? Yup.http://www.sfgate.com/cgi-bin/blogs/esandberg/detail?blogid=132&entry_id=55190