[animal_spirits]

It’s not a social credit system because it doesn’t weight your social involvement in the society (political party, school credentials, race) but rather payment history, amount of debt, types of credit

[asdff]

Simply things that correlate to social involvement I suppose. Quacks like a duck and all.

[agedclock]

Not at all. It is simply a score based on your ability to manage credit, it is scored differently based on the company making the assessment.

In reality that means "have you paid off what you owe in the manner that was agreed" and does the person have any red flags e.g. County Court Judgements against their name or residence.

There are people I know that manage it properly and those that don't. It has nothing to do with wealth or class.

[pkaodev]

What are you on about? It's financial providers deciding whether you are or aren't risky for them to work with, based on your financial decisions.

Not repaying loans and using credit cards to get cash -> you're probably bad with money -> lenders are unlikely to get their money back from you.

[AlecSchueler]

Your involvement in capitalist society, it tells you everything.