Life Altering Social Credit Score


If you were to ask the average American about their thoughts on the Chinese government, they would likely tell you that it’s pretty authoritarian and doesn’t necessarily respect human rights. But if you asked them about the Chinese government’s plans for its citizens’ social credit scores—a new system that will measure citizens’ trustworthiness using big data technologies—they might be surprised to learn that it sounds like something out of a dystopian sci-fi novel. And yet, this is exactly what China is working toward developing right now: a system where every citizen has a score based on their behavior and associations. It could tell us who we can trust and who we should avoid at all costs!

What is your Social Credit Score?

You’re probably wondering what your Social Credit Score is. That’s an important question, because it could have big implications for your financial future.

For example, if you have a low score and want to buy a car or rent an apartment, good luck getting approved. If you have a high score and want to take out a loan from the bank, that should be easy as pie. The system is still in its early stages of testing but will eventually be implemented nationwide by 2020—and government officials predict that it will raise China’s rating from “medium-low” to “high.”

So how does it work? Basically, it’s like Facebook with no privacy settings and more access for government officials! Every citizen has their own unique Social Credit Score based on all sorts of data collected about them over their lifetime—including things like criminal records (if applicable), employment history (or lack thereof), internet usage history (which includes things like posts on social media), academic performance at school/college/university… basically everything they do is factored into this thing called “social credit,” which was first proposed by President Xi Jinping back in 2014 when he took office as leader of China’s Communist Party

Under the Social Credit System, the State Council plans to reward those who score well on it.

The Social Credit System will be implemented at some point in the future, and the State Council has declared that it plans to reward those who score well on it.

In detail, the following rewards are planned:

  • 1st place: 50 points
  • 2nd place: 40 points
  • 3rd place: 30 points

Banks and other financial institutions can then use that information to determine things like whether a person should be approved for a loan.

The system will also be used for more than loans. For example, you might want to pay a bill at the supermarket. The cashier will ask to see your social credit score before proceeding with the transaction.

Then there are employers who might not hire someone if their score is low. The same goes for landlords, who may not rent a home or apartment to someone with a low score — and even dating sites could refuse entry based on an applicant’s credit rating.

What determines your rating?

Your Social Credit Score is a number that represents your financial and social worth. It’s calculated based on everything from the way you use your credit cards to how many times you visit the hospital, and there’s also a section for your online shopping habits—Amazon, anyone?

You can think of it like this: if you have good credit, you’re more likely to be approved for loans or mortgages. If not, well…you might have trouble getting a seat on an airplane!

The SCS formula combines all kinds of different data sources in order to calculate its final score. These sources include information about who you are and where you come from (like gender or ethnicity), what kind of jobs/income sources exist in their community (like if they’re employed or unemployed), their education level (from elementary school all the way through university level), what groups within society they belong to & whether those groups are considered “high-risk” by authorities such as criminals (for example). The formula also takes into account various forms of social capital like participation in local government activities or religious activities; as well as any other relevant factors such as driving records that may affect their ability access services like public transportation systems which require ID checks before allowing entry into them…or even just being able to drive themselves places safely without causing accidents due poor judgement skills due lack sleep deprivation due poor diet choices leading up finally finding someone willing lend enough money ($$$) needed pay off debts owed back taxes owed so that could afford rent month after month instead living paycheck week paycheck without fail until one day when finally does happen — can no longer continue paying bills anymore due missed payments lead eventually resulted lost job ended up homeless again which

The rules are constantly changing.

As you can see from the above list, the Social Credit Score system is not perfect. It’s a work in progress. The rules are constantly changing and it’s likely that there will be some bugs or glitches along the way. Additionally, while your score may not be completely representative of who you are as an individual, it is still important to take care of your reputation—and keep in mind how much power this new system has given government and businesses alike over people’s lives—because what is said about you could very well become true (unless they don’t like you).

When will the system go into effect?

  • The system is already in effect in some areas of China.
  • It will be implemented over the next few years.
  • Maybe it’ll go into effect in 2023!

It’s already in effect in some areas of China, including in the cities of Rongcheng and Qingdao, where residents run into problems when their scores are too low.

  • You may have heard that China is in the process of developing a social credit system, which will use an individual’s online data—including their social media activity, criminal history and financial records—to create a score that determines whether they get loans, apartments, jobs and other services.
  • It’s already in effect in some areas of China, including in the cities of Rongcheng and Qingdao, where residents run into problems when their scores are too low.
  • In one example reported by Quartz journalist Casey Meraz Jacobs: “One resident said he had wanted to start a business but was denied because his score was too low.”

A new system will be implemented in the next few years to measure citizens’ trustworthiness using big data technologies.

Your Social Credit Score will be a measure of how trustworthy you are. It’ll be based on your online behaviour and could affect things like whether you can get a loan or a job.

The system will use big data technologies to calculate the score, which is expected to be implemented in the next few years by the State Council, China’s cabinet.

Citizens who score well will be rewarded with some kind of special treatment by the government – for example being able to rent an apartment without having to pay anything up front – while those with low scores may face restrictions on their travel permits or internet access.


The idea of a social credit score sounds like something from the dystopian future. But in China, it’s here and it’s real. The government has created an enormous database that tracks every citizen’s behavior and finances, assigning them a number that determines their access to loans and other services. From the outside, it looks like a nightmarish police state—and some experts think it could be coming soon to America too!