The US is better in that id can be challenged. However, there are significant difficulties with this in practice[1]. This is still better than the situation in China where there is no legal means to challenge it.
[1] eg, https://www.politico.com/blogs/under-the-radar/2019/01/02/no...
Another case is listed below:
In Xie’s case, he didn’t have time.
“No one notified me that I was on the blacklist. Then court officials detained me, so I had to pay the fine,” he said. Xie is now off the blacklist.
Lawyer Li Xiaolin was also not given advanced notice that he was blacklisted.
In 2014, Li was sued for defamation and lost. A judge ordered Li to make an apology, which he submitted in writing in April 2015. Ten months later, when he was away on a work trip, he was blocked from buying a return flight home to Beijing. That’s when he found out he was blacklisted.
It took him another three weeks before an official told him why.
“The court said my apology was not sincere. I asked officials how they determined what is sincere.” Li said.
Eventually Li wrote a second apology and the court removed him from the blacklist in 2016. Then last year, he tried to get a credit card.
“The bank denied my application. I figured out that the bank might still have my name blacklisted and I was right,” Li said.
The bank updated its records the next day, but by that point, he had spent almost a year to fully clear his name.
“The social credit system gives a very powerful weapon to officials, in a country with very unbalanced relations between citizens and the government,” she said.
For now, Liu is still on the blacklist, which the Chinese state media refers to as the list of “laolai” or deadbeats.
He is still trying to get off it.
https://www.marketplace.org/2018/02/13/social-credit-score-c...
Not sure what that shows...