We like to think we can find &quot;secrets&quot; by eavesdropping on private data and determining the creditworthiness of someone according to how they enter their contacts onto their address book.<p>But I&#x27;m pretty sure the correlation between loans repayment and very public and easily accessible socio-economic data is much stronger than with those quirky behavioral traits, such as: where you live, did you attend &#x2F; finish college, how you spell, do you have a job, are you married, etc.