I've skipped out on this social networking craze, and now I'm really glad. Now I have to worry about the <i>credit implications</i> of friending that guy from high school that I never particularly liked but hey I don't want to be impolite? (Who, by the way, turns out to be a deadbeat.)<p>People like me have been saying that young people are going to learn that "letting it all hang out" is a mistake, but I sort of figured it would be a mistake for social reasons. I have to admit I never figured that your credit rating could be impacted. The second-order effects of that would rock the entire scene. If Facebook is wise, they will fight this, but this probably looks like a great income opportunity from their point of view.