[westiseast]

Yeah, your answer should be pinned at the top. Most discussions going on here are without a real understanding of what's actually happening.

I have a Sesame credit score. It's pretty low. The whole system seems incredibly creepy though, even without the misreported government political intrusion aspects. I basically have to let a private company know all the details of my education, work and personal life (plus they have my entire purchasing history on Taobao, which covers most aspects of my life), and then they'll give me a score. I totally understand the need for a credit score in the context of giving loans, but the threat is always that this score then gets applied to other arenas as a generalized trustworthiness rating.