cross-posted from: https://feddit.org/post/536301
The Russia’s State Social University (RSSU) has launched a “social rating” platform that claims to build a person’s “social portrait” with possible applications in future government policies.
Named “We,” the platform promises to determine a user’s comparative “social status” based on a survey that includes questions about income, family status, benefits, creditworthiness, criminal record, lifestyle and state awards, among others.
“The social rating figures don’t affect [a person’s] life, the availability of services or the career trajectory in any way,” RSSU said on the platform’s website. “But who knows what these figures will mean for you in the future?”
Observers on social media compared the platform’s name “We” to the highly influential 1921 dystopian novel of the same name by Russian author Yevgeny Zamyatin. [The novel “We” describes a world of harmony and conformity within a united totalitarian state. It inspired British author George Orwell to write his own novel, “Nineteen Eighty-Four”, which was published in 1949.]
While you’re right that there’s a vast difference between a credit score and a social credit score, I would argue that the US credit score system does have a bigger impact on one’s life than just not being able to get a loan. It is used to deny housing and employment and makes purchases more expensive due to higher payback rates. Since so much of our economy is built on consumer spending without the needed growth in wages over the last fifty or so years, some kind of personal debt is needed especially for people with low incomes who have to cover essentials one way or the other. It creates a self-reinforcing spiral that keeps poor people poor.
Things have improved here and there with the CFPB and some anti-discrimination ordinances at the local level, but it’s hardly enough to narrow the effect as you described. Heck, it took us until the Biden administration to propose to ban medical debt from affecting credit scores.
In both cases, these scoring systems are part of a suite of incentives to get people to play by the rules of the power structures that exist: social credit for national authoritarians hierarchies and TransEquiSperiFax for the authority of capitalist hierarchies.
Again, you’re not completely wrong and I don’t want to claim that one system is anywhere close to being as pernicious as the other, but the US system not quite so harmless as you say. Sorry for making this so US-centric but that’s where I have the most perspective.
