The Wired article is a little more exaggerating (https://www.wired.com/story/age-of-social-credit/) but here is the rough breakdown of your score according to https://www.zhihu.com/question/27844479
1. Identity Characteristics (15%) Public Security Real Name Authentication Identity Information Information Stability ... 2. Credit History (35%) Credit Card Repayment History Micronesia Repayment Record Utilities Fee Ticket ... 3. Compliance Capability (20%) Payment Account balance balance balance balance car information real estate information ...... 4. Personal connections (5%) relationship circle circle of friends credit level of social influence ... ... 5. behavior preferences (25%) account activity level consumer level payment level consumer preferences ...