An article in Slate mused about a version of this future: we imagine a time when credit scores do indeed take into account not just our payment history, but our entire social web. . . . your credit score can be augmented by simply looking at how positive your comments are, how often you “like” posts from high- or low-risk accounts, how quickly you respond to DMs, and even how long you spend mindlessly scrolling. How often do you text your friends back? Did you call your mom on her birthday? . . . It all adds up to a nice little score at the top of a brightly colored readout: your credit score,
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