Some of the aspects portrayed in the episode "Nosedive" seem pretty far-fetched and probably are just that, at least for the duration.
But other aspects tangential to the rating system portrayed in the episode are already very much of interest to technology companies as potential future undertakings, with far-reaching consequences. Whether such undertakings have actually been green-lighted as live projects with lots of momentum, is unknown to the public at this time.
On December 29, 2015, Facebook has acquired a patent [1] "that would allow creditors to assess your creditworthiness based on the credit ratings of the people in your social network."
Facebook applied for the patent in 2012 as part of a bundle of
patents it purchased from now-defunct social networking site
Friendster. The patent was first noticed by SmartUpLegal. This is
how the patent describes the invention:
When an individual applies for a loan, the lender examines the
credit ratings of members of the individual’s social network who
are connected to the individual through authorized nodes. If the
average credit rating of these members is at least a minimum
credit score, the lender continues to process the loan
application. Otherwise, the loan application is rejected.
[1] Unites States Patent No. 9,224,213
http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=H...
[2] Facebook’s new patent lets lenders reject a loan based on your friends’ credit scores—but don’t freak out
http://qz.com/472751/facebooks-new-patent-lets-lenders-rejec...