Then in a subscription economy- where having a poor credit score can result in loss of housing, insurance, and more- opaque unelected beureaus are wielding tremendous power. Perhaps they are not evil or even unfair, but if you'll recall the context of TFA, it bears many of the same failure modes of a social credit system, and will only be as good as the people regulating it.
But it will always be opaque, unelected bureaus, wouldn't it? If credit bureaus were dissolved tomorrow, the decision to extend credit would go back to the opaque, unelected operator of the business.