These categories are collected by a US credit score:
* BASIC IDENTITY INFORMATION
* FINANCIAL INFORMATION
These categories are collected by a US background check:
* EMPLOYMENT INFORMATION
* LEGAL HISTORY
* REGULATORY AND LEGAL VIOLATIONS
These categories are unique to the Social Credit Score system:
* POLITICAL DATA
* CIVIC BEHAVIOR
* OUTSTANDING ACHIEVEMENT RECORDS
So, about 2/3rds of the data is very similar to the data that employers gather about their employees, and 1/3rd is the overbearing Chinese state. To me, the political stuff seems to make the economic usefulness of the score weaker -- does being a member of the CPC really reduce your default risk on your credit card?
Looking at the list of infractions that reduce points, it seems that China is trying to systematize punishment for social problems by restricting access to credit. I went into this comment thinking that the US credit score system and the SCS system were similar, but I leave thinking that the Chinese one is the same as the US one, with a bolt on authoritarian layer.
Civic behavior, and political data are encapsulated in the US by criminal record (unequal enforcement of laws based on demographic and political alignment), 'basic identity information' (primarily location which is used as a proxy for demographic and socio economic status)
also all of those last categories are monotored by US employers and used to make hiring and firing decisions (which affect your credit score)
adding a single layer of indirection at each end doesn't fundamentally change anything
