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Read more about public records in PRC’s Guide, Credit Creditors may mine social networking sites, including Facebook and Linked In, to supplement the information they gather from traditional credit reports.By supplementing credit reports with data from social networks, creditors claim that they may be able to offer loans to consumer who may not qualify under traditional underwriting methods.Despite the value the practice brings to social networks and advertisers, there are several concerns regarding behavioral advertising: Third-party applications Within the context of social networking, “third-party applications” are programs that interact with a social network without actually being part of that social network.These applications take many forms but some typical and popular forms include games that you may play with contacts, online polls or quizzes, or third party interfaces with the social network.

Though illegal, potential employers might discriminate based on information available from profile pictures and other easily available information on one’s social networking profile. Be aware of revealing even basic information such as: is a law that not only regulates credit reports but also sets national standards for employment screening and background checks.

By sharing this information online you may be providing enough information to allow advertisers to track you or hackers to take advantage of your online identity -- so it’s crucially important to be aware of what information is given up and be conscious of what choices you can make to protect your privacy.3.

How may your social networking information be used and shared?

This can be anything from your username to individual posts, to your entire account.

These kind of “public” posts are not blocked behind any kind of access restriction.

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This practice is appealing to marketers because targeted advertisements are more likely to result in a purchase by a viewer than comparable non-targeted advertisements.