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Free Credit Report On Your Social Life: Your Social Credit Score and Why You Should Socially Credit Check Yourself

Updated on September 27, 2017
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Fernando has been blogging for 3 years. He currently holds an associates degree in applied mathematics from College of the Desert.

What Is Credit and What Does It Mean for Me

A lot of young people, including myself years ago, either don't know much about credit or completely avoid it out of fright. After all, speaking of credit can be pretty dramatic and frightening. I completely understand how many people, especially the young adults, would feel about this as I, too, have become engulfed in problems with credit. So, let's go ahead and talk about credit and what it means to you.

Let me go ahead and explain credit in a nutshell: you go out to apply for a credit card, and you get approved. That's great, right? The reason you have been approved is because the company supplying you with the credit card has deemed you a trustworthy consumer. There are three credit bureaus, according to what I know, that run credit on you: Experian, TransUnion, and Equifax. These bad boys know all about your inquiries, bad accounts, and so on. They know just about everything and anything about you, and they aren't afraid to show it when you are trying to apply for certain accounts that involve seemingly 'borrowed' money. For instance, if you're not immediately paying for something, this is called credit. You will be paying for it later, and before you can run something as credit, you will have to pass a certain number of tests. And, unfortunately, you have to look trustworthy in paper before you can walk off with credit accounts.

The aims of this article, though necessary, is to only briefly cover the concept of credit in order to later help readers like you understand its implications in a social setting. After all, it has been noted that our social lives actually run like credit, too!

Now that we have gone over credit and its brief reasons for being in our lives, let's move on to what we were here for all along!

Before we move on, a quick question!

Do you have good credit?

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Two people sitting on a bench.
Two people sitting on a bench.

Social Implications of Credit

Sally, a young adult, has a lot of friends. Of course, she has had a lot more friends than she currently does, but there are also a lot of old friends she had dumped. Interestingly, she didn't think this would catch up to her, so she decided to not let it get to her.

Unfortunately, whenever she would meet someone new, it was a hit or miss for her. Why? Because her past was catching up to her. "Hey Sally, I've heard you move around too quickly from boyfriend to boyfriend," could be one of the explanations a newly made friend could give her.

Ladies and gentleman, your social lives are important. What's more important than credit itself is how you look around other people. If you look like a straight-up criminal and then the next day you look as clean as an apple, people will remember this. You will be judged, unfortunately.

There are a lot of social heroes that will advocate that it's unnecessary to become stressed over the fact that someone doesn't like you, which is a completely legitimate argument. However, this isn't about being the bad boy you need to be. And no, I'm not saying you should feel bad just because someone doesn't like you. What I'm suggesting, really, is for you to take notice about how this sort of 'social credit' works. If you do someone wrong, people will notice. Although a lot of the people you will meet, especially new friends that you make at clubs or even the library, will not know each other at all and will have no ties to the former whatsoever, it is safe to say there is always a risk of others knowing what you have done. Therefore, it is better to be a good person rather than a conditional jerk.

A family having a great time.
A family having a great time.

Why Should I Care About Social Credit

Interestingly, social credit has never been a noted topic. However, this shouldn't be the case for us in the year of 2017, 2018, and even up to 20XX. We have heard about the concept of being a good person, a Samaritan if you will. But, this type of play isn't something you hear about too often in the forms of credit. After all, the financial credit system works in the same way if you think about it, as people will generally want to be around you if you make the cut.

Ultimately, you should care about what other people think about you, but you should understand what that really entails and means rather than getting butt-hurt because a lot of people don't like you. After all, you can't please everyone, and there are times where people won't like you for stupid things like your hair, your attitude, or even your beautiful looks. It's not about getting upset or getting depressed over the fact that things aren't looking down, or about obsessing over what people think about you. Basically, if you become aware, once again as noted above, of the fact that people will talk about you, you'll learn that there is a positive way to take advantage of this.

If you take advantage of social credit, you'll realize all of a sudden you can make a lot of friends. For a lot of single guys out there, this is huge because women will talk. Especially when it comes to the day and age where a lot of dating and meeting up is done through online interactions first, it's fairly easy for virtually any gender to talk smack about someone because of their past.

Let me give you a quick example of its implications. I actually have a friend that I have recently introduced to my current girlfriend. She was shocked, because she knew him from high school. That same night, I ended up hearing from her that my friend was actually a gross asshole that would commit to making dirty remarks of girls.

You see, these are the kinds of things you wouldn't assume your friends, or anyone around you really, to be doing. After all, you can only see a present visual impression of them, and you seemingly know who you are dealing with in the moment. However, if you really think about it, everyone has to start from the same point. Just as we are all born, everyone has to learn common ethics and morals in order to mature over time. Everyone is bound to make mistakes, and everyone I know has had embarrassing moments they wish they could erase forever. So, in essence, it's pretty hard to run away from your past.

A hand holding a credit card.
A hand holding a credit card.

The Difference Between My Credit and My Social Credit

Ladies and Gentleman, let us introduce the contrasting difference between financial credit and social credit.

Financial credit, or just credit, is something that stays online somewhere. It doesn't matter where, exactly, and I am not going to get too ahead of myself by explaining this completely, as this isn't new news for many. Moving on. Credit stays somewhere online, and the three credit bureaus manage it. If there's something wrong with the information kept in the databases, you have the right to fight it. Companies you apply for credit for have access to these databases in order to know more about you. This is to say that you can't escape from financial credit. The only way for you to escape from it is to wait many years for your bad accounts to disappear.

Real social credit, on the other hand, is obviously different because we are talking about other human beings that have to deal with other people, too. You won't see that same bully from grade school everyday. In fact, that grade school bully is probably going to be known by the whole school. It all depends on how bad you have messed up in the past.

Rest assured, people forget. We are not computers. We don't have infinite amounts of Remote Access Memory (RAM) hot-wired into our brains. Really, most people cannot hold a grudge, though maybe I should only speak for myself in this case. So, give it some time and people will forget about what you have told them or what you have done to them. However, the rate at which people forget about your bad deeds directly correlates to what happened.

Now, let's get off of the pessimistic train for a bit. Obviously, if you have good credit in either financial or social lives you could understand that either good or bad has the same implications, though rather different. This is fairly evident and, most importantly, obvious to many. However, I am under the assumption that many will not create enough emphasis on the fact that you should be worried more about your social credit than your actual credit.

Lots of credit cards being shown from a man's back pocket.
Lots of credit cards being shown from a man's back pocket.

Take Care of Your Credit

Ladies and Gentleman, once again and in conclusion, take good damn care of your credit, whether in financial terms or social. It is of the essence to make sure you have the best fighting chances in whatever you try to accomplish.

Financial credit is obviously extremely important for us all because we all need to take out loans once in a while. Aside from that, we need housing, credit cards, and such. Most of us would rather put our financial lives ahead of the social game. Therefore, we take on jobs and anything that entails us with a better financial game, even if it means making our social lives nonexistent.

Of course, although financial credit is just that powerful and controlling of our lives, you shouldn't forget just how much it would mean to a person for you to do something that would mean a lot to them. Although social credit isn't exactly a coined term, let's just say that being a good guy sometimes does pay off. Don't worry, maybe the next guy will know of your good deeds.

Thanks For Reading! Quick Question!

Are you well-respected by your family and friends?

See results

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