Could stacking your Twitter or Facebook contacts lists with financially-responsible friends help improve your chances of getting a loan?

The answer could be yes, according to a report out this week from CreditCards.com. In a story entitled, “Social networking: Your key to easy credit?” reporter Erica Sandberg writes that, “In their quest to identify creditworthy customers, some (creditors) are tapping into the information you and your friends reveal in the virtual stratosphere.”

There’s something pretty eerie, and undemocratic,  about this.