Rude online remarks can give you bad credit score

Posted in the Coopersburg Forum

First Prev
of 2
Next Last
Think

Hatfield, PA

#1 Feb 22, 2013
Could cranking out a racist screed on your laptop just before bed ruin your credit score, making it next to impossible to get a loan? Yes, if certain techno-trends are any indication.
TIME reports on efforts by a number of high-tech startups to help banks determine credit risks based on a history of rude online behavior. A past that includes typing in ALL CAPS out of anger on Facebook, or making racist remarks on Twitter, could be considered an indication of one's poor credit risk. And while any connection between such actions and loan worthiness sounds far-fetched, there appears to be a legitimate link.
"We can correlate almost exactly productivity, their success at work, to positivity on social media pages," says Heidi Golledge, founder of CareerBliss.com , who believes that when it comes to creditworthiness, the same correlations are at play.
Think you'll get around the problem by simply ditching Facebook? Be warned: having a thin to non-existent online presence is being increasingly treated with suspicion by society's all-seeing eye...
Shloppy

Bethlehem, PA

#2 Feb 22, 2013
Think wrote:
Could cranking out a racist screed on your laptop just before bed ruin your credit score, making it next to impossible to get a loan? Yes, if certain techno-trends are any indication.
TIME reports on efforts by a number of high-tech startups to help banks determine credit risks based on a history of rude online behavior. A past that includes typing in ALL CAPS out of anger on Facebook, or making racist remarks on Twitter, could be considered an indication of one's poor credit risk. And while any connection between such actions and loan worthiness sounds far-fetched, there appears to be a legitimate link.
"We can correlate almost exactly productivity, their success at work, to positivity on social media pages," says Heidi Golledge, founder of CareerBliss.com , who believes that when it comes to creditworthiness, the same correlations are at play.
Think you'll get around the problem by simply ditching Facebook? Be warned: having a thin to non-existent online presence is being increasingly treated with suspicion by society's all-seeing eye...
Blow Me
Inquiring Mind

North Wales, PA

#3 Feb 22, 2013
Think wrote:
Could cranking out a racist screed on your laptop just before bed ruin your credit score, making it next to impossible to get a loan? Yes, if certain techno-trends are any indication.
TIME reports on efforts by a number of high-tech startups to help banks determine credit risks based on a history of rude online behavior. A past that includes typing in ALL CAPS out of anger on Facebook, or making racist remarks on Twitter, could be considered an indication of one's poor credit risk. And while any connection between such actions and loan worthiness sounds far-fetched, there appears to be a legitimate link.
"We can correlate almost exactly productivity, their success at work, to positivity on social media pages," says Heidi Golledge, founder of CareerBliss.com , who believes that when it comes to creditworthiness, the same correlations are at play.
Think you'll get around the problem by simply ditching Facebook? Be warned: having a thin to non-existent online presence is being increasingly treated with suspicion by society's all-seeing eye...
At first thought, there would not seem to be a connection between credit rating and on-line behavior. However, I think there is a correlation between how a person views accepted social conventions (civility, racial tolerance, etc.). Paying ones' debts on time can also be considered a social, as well as legal, "contract."
Think

Hatfield, PA

#4 Feb 22, 2013
Inquiring Mind wrote:
<quoted text>
At first thought, there would not seem to be a connection between credit rating and on-line behavior. However, I think there is a correlation between how a person views accepted social conventions (civility, racial tolerance, etc.). Paying ones' debts on time can also be considered a social, as well as legal, "contract."
I think you're right. If a person's ignorant enough to keep making rude online comments, they're probably ignorant enough to be late or not pay some of their bills.
Joe

Brooklyn, NY

#5 Feb 22, 2013
Such practices are clearly a violation of the First Amendment. A test case needs to happen.
Think

Hatfield, PA

#6 Feb 22, 2013
Joe wrote:
Such practices are clearly a violation of the First Amendment. A test case needs to happen.
You first lol.
Inquiring Mind

North Wales, PA

#7 Feb 22, 2013
Joe wrote:
Such practices are clearly a violation of the First Amendment. A test case needs to happen.
It is NOT a violation of the First Amendment. It doesn't prohibit anyone's speech, they are still free to say whatever they want. But what they say can have consequences, and those consequences are not protected by the Constitution in most cases. A good credit rating is not a right and a private company can use any criteria it sees fit. The Supreme Court's already held that an employer has the right to read an employee's email on a work computer. Freedom of speech is not an absolute.
pgh

Greensburg, PA

#8 Feb 22, 2013
Joe wrote:
Such practices are clearly a violation of the First Amendment. A test case needs to happen.
Your comments on social sites can keep you from gettting a job, especially if you implicate yourself as someone who uses drugs or alcohol (underage). Once you put comments, photos, ect out in cyberspace, you must assume they are out there permanently. Prior to the intenet, if you did somethig stupid or embarrassing, the consequences were generally semi-private and temporary (I know). If you have a bad day in cybrspace, you're sharing it with millions for a long, long time.

The same goes for allowing someone to take digital photos of you that could later compromise you reputation; never assume that this material cannot make it to the internet. How any have found this out the hard way?
Shloppy

Quakertown, PA

#9 Feb 22, 2013
You people are F'd in the Head!
Inquiring Mind

North Wales, PA

#10 Feb 22, 2013
Shloppy wrote:
You people are F'd in the Head!
...and there goes your credit score.
Joe

Brooklyn, NY

#11 Feb 22, 2013
Shloppy wrote:
You people are F'd in the Head!
It's unfortunate how they endorse Big Business violating our right to privacy to engage in discriminatory hiring practices.
Think

Hatfield, PA

#12 Feb 22, 2013
Joe wrote:
<quoted text>
It's unfortunate how they endorse Big Business violating our right to privacy to engage in discriminatory hiring practices.
When you post personal info on a public forum, you voluntarily give up your right to privacy, that's one reason I never use Facebook or any site like that. Read the book '1984'.
Shloppy

Quakertown, PA

#13 Feb 22, 2013
Think wrote:
<quoted text>When you post personal info on a public forum, you voluntarily give up your right to privacy, that's one reason I never use Facebook or any site like that. Read the book '1984'.
You're just F'd in the Head! Paranoid Beeeotch!
Inquiring Mind

North Wales, PA

#14 Feb 22, 2013
Joe wrote:
<quoted text>
It's unfortunate how they endorse Big Business violating our right to privacy to engage in discriminatory hiring practices.
1) You don't have a right to privacy when the information is public.

2) There are legal definitions of "discriminatory" hiring practices that have to do with age, race, sex, handicap, etc. Other than that, it is not legally discriminatory to hire or fire anyone for any reason - or no reason. Pennsylvania is an "at will" state. Other than unlawful discrimination or contract, employees or potential employees have no "right" to a job or even an interview. In most cases, they don't even have a right to unemployment compensation if they quit voluntarily. And that's how it should be.
Joe

Quakertown, PA

#15 Feb 22, 2013
Inquiring Mind wrote:
<quoted text>
1) You don't have a right to privacy when the information is public.
2) There are legal definitions of "discriminatory" hiring practices that have to do with age, race, sex, handicap, etc. Other than that, it is not legally discriminatory to hire or fire anyone for any reason - or no reason. Pennsylvania is an "at will" state. Other than unlawful discrimination or contract, employees or potential employees have no "right" to a job or even an interview. In most cases, they don't even have a right to unemployment compensation if they quit voluntarily. And that's how it should be.
Why do you endorse discrimination?

Why do you think my Constitutional rights end inside a company?

Why are you on a power trip?
dbar

Perkasie, PA

#16 Feb 22, 2013
Inquiring Mind wrote:
<quoted text>
1) You don't have a right to privacy when the information is public.
2) There are legal definitions of "discriminatory" hiring practices that have to do with age, race, sex, handicap, etc. Other than that, it is not legally discriminatory to hire or fire anyone for any reason - or no reason. Pennsylvania is an "at will" state. Other than unlawful discrimination or contract, employees or potential employees have no "right" to a job or even an interview. In most cases, they don't even have a right to unemployment compensation if they quit voluntarily. And that's how it should be.
try

employers want access to private facebook for example.

http://abcnews.go.com/Technology/facebook-pas...

and some states have passed legislation.

http://www.reuters.com/article/2012/12/31/us-...

"In California and Illinois, laws that take effect at 12:01 a.m. local time will make it illegal for bosses to request social networking passwords or non-public online account information from their employees or job applicants."

And that's how it should be.
Think

Hatfield, PA

#17 Feb 22, 2013
Joe wrote:
<quoted text>
Why do you endorse discrimination?
Why do you think my Constitutional rights end inside a company?
Why are you on a power trip?
Your right to privacy ends when you're on the clock working for someone. You don't even have a right to invent something in your mind when you're supposed to be working. Check court decisions.
dbar

Perkasie, PA

#18 Feb 22, 2013
Think wrote:
<quoted text>Your right to privacy ends when you're on the clock working for someone. You don't even have a right to invent something in your mind when you're supposed to be working. Check court decisions.
so i have no privacy using an employer's restroom?
or my medical condition is subject to the boss simply wanting to pry?
Check court decisions
Shloppy

Bethlehem, PA

#19 Feb 22, 2013
dbar wrote:
<quoted text>try

employers want access to private facebook for example.

http://abcnews.go.com/Technology/facebook-pas...

and some states have passed legislation.

http://www.reuters.com/article/2012/12/31/us-...

"In California and Illinois, laws that take effect at 12:01 a.m. local time will make it illegal for bosses to request social networking passwords or non-public online account information from their employees or job applicants."

And that's how it should be.
I will never listen to anything dbar says. Dbar is a communist, F'd up POS. I also think that dbar is an illegal Immigrant. Have a nice night.
Inquiring Mind

Quakertown, PA

#20 Feb 22, 2013
Joe wrote:
<quoted text>
Why do you endorse discrimination?
Why do you think my Constitutional rights end inside a company?
Why are you on a power trip?
What part of "it's not discrimination" don't you understand?
It's sound BUSINESS practice. Are you willing to pony up and reimburse a company to lends money to a deadbeat? They have to take care of their interests, just like you do.

Your constitutional rights do not end inside a company. You HAVE NO CONSTITUTIONAL RIGHT to misuse private property (your workplace computer)or engage in activities that harm your employer or fellow employees. Like I said, you have freedom of speech. But the Constitution does not protect you from the consequences of what you say in most cases. Your right to free speech doesn't trump others' rights to run their lives and private businesses as they please.

I'm not on any "power trip." You just don't have a grasp on what the law and Constitution provides. You want a nanny state where the federal government makes sure everything is "fair" - according to YOUR rules of what constitutes fairness. Now THAT sounds like a Power Trip to me!

Tell me when this thread is updated:

Subscribe Now Add to my Tracker
First Prev
of 2
Next Last

Add your comments below

Characters left: 4000

Please note by submitting this form you acknowledge that you have read the Terms of Service and the comment you are posting is in compliance with such terms. Be polite. Inappropriate posts may be removed by the moderator. Send us your feedback.

Coopersburg Discussions

Title Updated Last By Comments
things to do on the weekend? 9 min newgirl 1
Review: Milford Veterinary Clinic - Kathy L Jam... (Sep '09) 2 hr Ick 282
Rockhill Township Recycling Wed Angus Cameron 1
snow storm Wed Duh 3
Electrician? (Nov '13) Wed kody 14
How to remove arsenic from your Quakertown water (Dec '10) Jan 27 Paul Bear 8
Is God Real? (Mar '13) Jan 26 hmmm 267

Coopersburg News Video

Coopersburg Dating
Find my Match
More from around the web

Coopersburg People Search

Addresses and phone numbers for FREE

Personal Finance

Mortgages [ See current mortgage rates ]

NFL Latest News

Updated 9:37 pm PST