In China, a formalized social credit score can determine whether you're allowed to take out loans or even use public transit. The system is often held up as a particularly dystopian application of big data analytics — and now it seems as though a similar thing is happening in the U.S. and U.K.

It turns out that a number of companies are aggregating mind-boggling piles of financial records, internet activity, and other personal data, The New York Times reports — and using it to determine petty metrics like how long companies will make people wait on hold or whether we're allowed to make returns at a store.

Behind The Curtain
Some of these companies give people the opportunity to take a look at whatever records they have on them, like Sift, which had accumulated over 400 pages of notes on the NYT's Kashmir Hill, ranging from Airbnb reviews to delivery orders.

Technically anyone can request their records by emailing privacy@sift.com then filling out a form online. But the NYT noted that some companies, like consumer-tracking database Kustomer, refused to share data while repeatedly saying it would soon.

Secret Scores
These little-known companies aren't new, but they're only just getting attention for their unsettling data projects, which can have a major behind-the-scenes impact on people's lives. Law enforcement's use of data is secret and may determine a threat score that exposes innocent people to search and far more dangerous intrusions.

Even now, companies like Sift might share the piles of records they've accumulated on you — but won't tell you how other companies are using it.

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More on social credit: Report: America Has a Social Credit System Much Like China’s