Want a Loan? Act Responsibly

Someday, banks may try to assess the credit risk of borrowers via "responsibility" scores based on unconventional metrics like school grades or eBay reputations

As bankers claw their way out of the credit crunch, they're likely to get a lot more curious about our ability to repay loans. To do that, they'll no doubt search for statistical correlations between financial risk and our behavior in different realms—as shoppers, students, even drivers.

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