Credit rating by computers already is too prevalent. Who is a machine to decide if one is credit-worthy? In most banks, you can't pitch your idea like e.g. a startup founder can with angel investors because bank regulations say "computer-only decisions here".

Have a bad mark (e.g. you were in jail for pot in your youth) and don't get a credit for the rest of your life. This is the brave new world of full automation.

edit: also, this introduces a total lack of accountability and basic rights: "when the regulations say that I am only allowed to accept new tenants when they pass the computer check, I cannot give you a home. Even if I like you personally, you have 100K+ income, and that pot jail sentence is 20+ years past - but the computer says no because you are black and a drug offender". Just think about the scenario. It is totally possible today if you feed the computer with the wrong data.