[pmiller2]

I'm pretty sure the only reason social media isn't incorporated into credit scoring is that it's too difficult to reliably attach to a given individual without help from Facebook, etc. FB definitely does not want to become a consumer credit reporting agency, so their ability to cooperate without triggering the FCRA is limited.

[pm90]

Hmmm... I'm sure FB and all other social media are afraid of being targeted by regulation in case such data becomes so highly predictive and used by rating agencies which can causes actual financial harm to a person (i.e. by increasing their interest rates for a mortgage). I wonder if that's why they have been so aggressive about self-censoring and such.