Here’s some sources, some even from far-right US journals that have looked into it. It has more to do with regulating businesses and execs found to be in violation anti-trust laws.

It’s really just standard anti-trust / financial legislation, IE things the US used to do before 1980s when they let finance capital take over.

• The US’s credit score system is vastly more influential and detrimental to a majority of its population than China’s social credit system, which largely doesn’t even exist, and where it does exist it is only used to target businesses.
• China’s Social Credit System is more about regulating businesses, and execs who are found to be in violation of anti-trust laws.

If you’re going to mischaracterize it in the future, at least post some sources.