I wasn't suggesting that people wouldn't be allowed to participate without a score, (which I think everyone has a score regardless of no debt?). I was suggesting that login / auth takes place by credit score verification. This would solve a couple problems. First, and most important, we know it's a real person commenting / participating. Second, systems could be designed to filter by score. For instance, if I'm researching products on reddit, I'd sure love to know A. it's a real person, and B. to filter by some score threshold. I'd wager people with higher scores have less incentive to get paid to shill some product online.

Anyways, from the little research I've done, it's certainly illegal and not a proper mechanism for authentication. One can dream though :)