Define the objective metric that you would use to assess a candidate's work ethic or reputation credit score. Would LinkedIn issue it, as if it were a popularity contest?
And come to think of it, actually, credit scores can be gamed. It's well known that when companies and territories get credit scores they are largely a con game, as in based on the conifdence the raters have on your future performance, and not objective reality.
Likewise, credit scores can be juiced and tools exist to help you improve them and track them. But a bad credit score doesn't always mean fiscal mismanagement. It could be loans from a predatory lender or due to a medical expense or something completely outside the context the credit check is to be used for. Credit scores tell you if someone has lots of money first, and if they are smart with their money second. People with financial means often have good credit scores but can be as likely to default if their circumstances change. Perhaps more likely if the amounts of money at play are greater. People got those subprime mortgages with great credit scores, somehow.
So... Yeah, credit scores for loans are a form of outsourcing of responsibilities. But the point is somewhat well taken. The equivalent in hiring to a credit score isn't to ask banks but to do reference checks and ask a network or former manager about a hire.
Credit scores can easily be discriminatory as much as criminal charges (without due process, at least) and other unfair systems. We just normalize it because it works for most people. We poke fun at it when other countries try to come up with e.g. a social credit score, though.
