Out of curiosity do you change your behaviour because of your credit score (created by private companies)?
Considering the fact that the private companies pitching social credit to the government are merchants (Tecent & Aligroup) that is the only data they have access to.
Companies spend money on advertising because it works.
Edit: Realized after you asked about credit score. A credit score is quite different than what China's rating system is all about from my understanding. Being dependable on repaying money or paying money you've promised to pay is a very specific rating that aligns with a person's accountability and/or ability to predict and manage their situation.
Considering the fact that the private companies pitching social credit to the government are merchants (Tecent & Aligroup) that is the only data they have access to.