Earlier on Tuesday, news broke that there was a security hole in Yelp -- one of the test partners in Facebook's "Instant Personalization" program -- that put Facebook user data at risk.

CNN: Amid backlash, Facebook tries to save face

As Apple is using the reply-to address of a message's User Data Header to identify the origin rather than the raw source, receiving iPhone owners risk being fooled by a phishing attack (or just a dishonest acquaintance) that poses as a contact or a company.

ENGADGET: iPhone reportedly vulnerable to text message spoofing flaw

According to Navin Bathija, Neo's CEO, the company does review a user's credit report for red flags and but doesn't use the FICO score in its risk calculation.

WSJ: Bad Credit? Start Tweeting