I always get orwellian vibes from the US system. Some random big brotherish corporation looks at you in any way it can, then runs some completely untransparant system to produce an unreliable number, with no appeal. That number determines your chances in life.

Then again, my governement keeps track of how well I do on repaying my loans and tells that to lending orgs. I assume someone with a US style 'gubberment' thought process might recoil in horror even if I rather like it.