Apples and oranges.
The US government doesn't issue the credit score. Private companies do, and nobody is forced to use them.
In America credit scores usually only affect whether or not you can get a loan from a private bank.
In China, social credit scores steal the American "credit score" name to make it seem acceptable, but in reality it's a behavioral compliance and punishment score.
They used to be used more widely for jobs too. Never understood the jobs that didn’t require access to sensitive data required stellar (the justification that bad credit people will do bad things to get out of debt). I think that went away after everyone’s credit tanked a bit or i just haven’t seen it much more.
Also I’ve come to accept that credit scores for loans are for people who have no collateral to issue debt against.
