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Read more about public records in PRC’s Guide, Credit Creditors may mine social networking sites, including Facebook and Linked In, to supplement the information they gather from traditional credit reports.
By supplementing credit reports with data from social networks, creditors claim that they may be able to offer loans to consumer who may not qualify under traditional underwriting methods.
What information can be gleaned from the that which you share and post publicly, and what information can be gathered through electronic tracking and profile building around your social network use.
Publicly available information Every social network allows you to post some information that is completely publicly accessible.
Of course, information on social networking sites has been used as evidence during criminal and civil trials.
This practice is appealing to marketers because targeted advertisements are more likely to result in a purchase by a viewer than comparable non-targeted advertisements.
They are valuable to social networks as they can be sold at a higher price than regular ads.
This is often done through behavioral advertising, also known as targeting.To make these applications useful, social networks may allow developers automatic access to public information of users, and may even access some private information, when a user grants the application permission.Considering the value of behavioral advertising, it’s easy to see why many third party applications themselves include tracking capabilities, to sell user information to advertisers.Despite the value the practice brings to social networks and advertisers, there are several concerns regarding behavioral advertising: Third-party applications Within the context of social networking, “third-party applications” are programs that interact with a social network without actually being part of that social network.These applications take many forms but some typical and popular forms include games that you may play with contacts, online polls or quizzes, or third party interfaces with the social network.