It’s been a tough go for people with bad or no credit. For years, getting a loan for a car, approval for a credit card, or other types of credit have been subject to a credit score based on your payment history, debt-to-income ratio, and other factors like how long you’ve held your job. But now, two of the biggest credit agencies, FICO and TransUnion, are now working on new scoring models that could help or hurt your ability to get credit based on an entirely new set of criteria.
Facebook is one indicator that’s being considered in this new test.…