Most of our social credit systems let you start over.

The big ones (credit score and criminal history) are strongly tied to you, but have recourse to challenge mistakes and remove strikes from your record. The sufficiency of those recourses is open for debate though.

However, all of the private company's social credit systems have a much looser coupling to your actual ID. Often you can just make a new account. If you first get a new credit card, phone, phone number, internet connection, and address, most companies would completely fail to correlate you to their previous profile of you.