You may want to take a second look at your Facebook friend list. A handful of lenders use social sites like Facebook to approve or reject you for a loan.
Traditional lenders rely heavily on credit scores that look at payment history and tend to steer clear of the millions of those who don't have credit scores.
But an article on CNN Money may have some people thinking about ditching a friend or two online.
The article says a handful of tech start-ups are using social data like Facebook to determine the risk of lending to people who have a difficult time accessing credit. And some say it's a good way to do that.
"Through someone's profile on Facebook or Twitter, or any social media site, I think you can tell a lot about that person and as far as a business aspect, I think they would benefit tremendously because they can tell what kind of person they are," said Casey Villanueva.
Lenddo, Kreditech and Kabbage all admit to browsing your social connections, which they say can be a good indicator of a person's creditworthiness.
Lenddo reported to CNN that if they see your friends on Facebook with someone who was late paying back a loan to them, they assume you'll do the same. And some think that's unfair.
"I think it's creepy honestly because it really should be based on how you pay and when you pay and not based on your Facebook friends because they could be in some sort of bad situation that doesn't reflect you at all," said Jasmine Derbigney.
"I think it's an invasion of privacy. You may as well give the cops your password," said Trevor Lazard.
"I think it's kind of creepy. They can see what you're buying and stuff like that," said Alex Bahan.
Meanwhile, others say it's okay with them.
"It's okay because they are my friends and I trust them," said Louis Alhazmin.
"I think it's awesome. Yeah, I'm okay with it," said Darien Chavez Poullard.
Some suggested hiding your Facebook friends by changing your privacy settings. That way, others can't see who you're friends with and deny you a loan – at least, not because of who you're friends with online.