Comment by caymanjim

Your FICO score and detailed credit history already serve this purpose to a large degree. Everyone knows that affects whether or not you can get a loan (and thus purchase a car or home), and on the surface that seems fair enough, but is already fairly discriminatory. But it's far worse than that; if you have a bad credit score, you can't even rent an apartment. And many employers won't hire you. It's not just used to calculate what interest rate you get charged; it's used to judge your value as a human being in general.