The credit lenders are looking to new metrics for ways to evaluate the risk of loaning to various individuals, and social media presence is among the data that Fair Isaac Corp (FICO) is looking into.

Similarly, some loan companies, like Lenddo, use social media networks to shame borrowers into paying back loans. A law preventing businesses and schools from monitoring social media was a hot topic in recent years, and where credit scores are concerned, legislation may end up playing a role there, too.