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Saturday, March 09, 2013

MooPig Site Review :: "Lenders Go For TMI"

TMI-- Too Much Information Might Hurt you when Borrowing
Reviewed by Pat Darnell  |  Mar 7, 2013  |  Bryan TX

[Picture LINK]

Dislike: Facebook Can Hurt Your Credit Score LearnVest: "Here’s the kicker: The information used by the algorithm isn’t just what you’ve made public—the banks are requiring your login information.

Everything you can see, they can see. And they could even potentially send messages to your contacts. From the perspective of the banks, “birds of a feather flock together.” They want to reach more customers likely to use their products through you. For a consumer who wants a loan, banks having more information isn’t necessarily better—especially when it’s open to interpretation."

'via Blog this'

Open to interpretation; I got tired of always being on guard in my online persona years ago. Most people don't read past the headline, and then they only read a few lines. Anything I write from here on out is moot.

However, if someone tells a fib on their loan application, they can face consequences down the line. Lenders in 2013 are very cautious due to the recent acrimonious bail-out of mortgage companies. They go over the application with a fine toothed comb looking for any instance of fraud. If fraud is found later on, the mortgage companies have the right to foreclose on you.

If lending companies read my lemmings on faceBook, they might black ball me. But like I said, I lost respect for my 'online' self years ago. It is too difficult to live every moment as if Big Brother is looking over your shoulder.

I have been blogging since 2006, and online for ten years before that. So any lender could conceivably find out that I did have a Napster account. I did have a MySpace, AOL, twig, twurl, CTU Online, and literally hundreds more accounts. In the late nineties I worked for a subsidiary of NEG Japan, and wrote thousands of memos and emails that could come back to haunt me.

I noticed when I applied for a home loan in 2008, the loan officer communicated via email and letter and fax, and had some false information in his hands. He said I had claimed interest for income taxes from an FHA mortgage. That was a total fail on his part.

When I moved to Houston, after living in Chicago for 18 years, as I tried to change over my Driver's licence, I was told by the clerk someone had been using my Social Security number while I was gone. That was in 1996.

So in essence what we now have is 'socialized privatization.' It has become my personal guilty pleasure to ramp up my online presence, but try to live the life of a recluse.

Society and its rules will probably not let me do that, for free anyway, because the 16th amendment states “The Congress shall have power to lay and collect taxes on incomes, from whatever source derived, without apportionment among the several states, and without regard to any census or enumeration.” (US Constitution, Amendment XVI).

And no one ever beats City Hall.


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