Google’s page rank is an issue that eludes/frustrates most bloggers and webmasters. How it’s calculated, is treated like a “secret sauce” recipe. A few of the ingredients are known, but no one (except Google), knows all of the ingredients. Anyone who could get their hands on the “recipe”, could potentially become a multi-millionaire, overnight.

What if Google reformulated their “recipe, and added in your credit score.

Today’s Lesson

Let’s ponder this one.

Currently insurance companies, in some states, are calculating home owner and automobile premiums, based are individual credit scores. They may call it “insurance scores”, but whatever it’s called, a lower number can result in higher premiums.

This had been taken a step further by employers, who were using credit scores as a pre screening (new applicants) technique. This practice, however, has been tightened, and in some areas, abolished.

The insurance companies are checking to see if you are in debt, your credit history, and if you pay your bills on time.

Those with great credit scores are enjoying a drastic drop in their premiums, however, many others are paying substantially more.

The reasoning behind this, is: if you have poor credit, and/or are deep in debt, you may be “tempted” to file a fraudulent claim.

It is assumed, the higher your credit score, the more responsible you are. And, if you are responsible with your money, you will be more responsible in other areas of your life.

As much as there may be some truth to this reasoning, sometimes extenuating circumstances throw individuals into financial ruin, and their credit scores plummet.

Whether that is this is taken into consideration, I have found no reports that address the issue.

So, back to pondering…..

What if Google were to partially base your page rank on your credit score?

Could Google make the assumption that: A higher credit score means you are less apt to use black hat SEO techniques? Less apt to buy links? More responsible? More trustworthy? Not likely to click on your own ads, or hire someone to? Would they make the assumption that someone with a higher credit score is more apt to create more accurate content?

Today’s Assignment

What do you think?

Would using a credit score air in creating a fairer page rank system?

Would you want Google to have that much information on you? (they probably do already)

Would we see a better caliper of blogs/websites ranking higher in the search engines, if this technique were to be implemented?

If you had a higher credit score, should you also be illegible for higher paying ads?

Do you know your credit score? if not, you should.