Social Media  Startup Wants to Base Your Credit Score on Social
Media Profiles   In the days of community banks, a person's
upstanding reputation around town gave him access to a
reasonable loan. But global financial institutions can't trust
strangers, so the credit rating was born. But a startup called
Lenddo hopes to return lending to that community bank era, but
with a modern twist.  The company gauges a person's
creditworthiness using his or her online reputation, as assessed
through sites such as Facebook, Twitter and LinkedIn. To secure
repayment, it forgoes collateral and instead relies on peer
pressure through the same social networks. The target market is
a demographic often ignored by banks today: the 1.2 billion
people, largely in developing countries, who are part of the
world's emerging middle class but who still struggle to access
credit because they lack a documented financial history and
strong identity records.  "Our theory is, we could duplicate the
social dynamics of microfinance, but inste