[Saline9515]

The difference with China is that the US credit score is limited to your banking activities.

[m4ck_]

It's not just loans and banking. Bad credit severely limits your housing options, even rooms for rent are running credit checks these days. Some employers too, even in roles where you aren't directly handling money or anything close to it.

[Saline9515]

I understand this, but I meant that the data sources used to build credit scores are mainly banking/debt related. Jaywalking ore saying slurs online won't affect it, unlike in China.

[palmotea]

The difference between a social credit score and a credit score is when you criticize the president, your social credit score goes down, but your credit score stays the same.

[MSFT_Edging]

That's not actually true. Companies can opt to report your employment to credit agencies, providing another datapoint in background checks.

[deadfoxygrandpa]

what do you think china's credit system is like?

[digitalPhonix]

Have you tried renting recently?