The difference being that credit ratings are used to evaluate how creditworthy you are by looking at tangible data that is (mostly) directly related to your use

The difference being that credit ratings are used to evaluate how creditworthy you are by looking at tangible data that is (mostly) directly related to your use of credit and actually predictive of your credit worthiness. This system gives the government the power to codify and even gamify what it means to be a good citizen. It's attempting to shape the way people think and behave in an extremely invasive way. This is terrifying.