This article at PC World, Skeptical Shopper: Can Your Online Life Ruin Your Credit, brings up something I hadn’t thought of before. Apparently, credit issuers are starting to judge a person based on their online community.

This worries me a little since I’m not picky on who I “friend” on Facebook. I also don’t run a credit check on my friends…I’m sure most of them would come back with major issues. My only saving grace is that I do not actually participate in online social networks much at all. I get emailed when someone sends me a direct message…that’s about as techy as I get.

I also wonder how intelligent this kind of credit check makes the banks. Obviously, not all of my friends and family are going to be in the same financial boat as myself. Wouldn’t it be weird to find that someone only surrounds themselves with people exactly like themselves?

Also, does having my own financial blog count in my favor? If you lose so many points for a “deadbeat” friend, can you earn them back by posting fiscally responsible blogs?

Okay, now I’m just getting silly, but I think that creditors who use this method are pretty silly too.

How would you fare if you were judged based on your online social network? My “Excellent” rating would fall a level or two…