Meh. Creditworthiness based on your online activities is solution looking for a problem. It hardly is issue for loaners today. The problem is how to lend more, not less. So no fear here, if you are good today, you are good tomorrow, no matter the online activity. Secondly if and when really some loaners voluntarily limit their market, there will always be who do not and whose position on the market will be total ignorance of online stuff.