The US would do better nationalising Equifax.
Orgs like Equifax should not exist. I did not consent to this kind of surveillance, I was forced into it because I needed a paycheck and a place to live. Now I'm paying for it because of the incompetence of others - if the U.S. government instead had this power it would become much more difficult to differentiate between incompetence and malice.
If the US government ran this, you would at least have a chance at congressional oversight. Equifax is largely unchecked in its present corporate state.
I’d argue for a people very dependent on credit, a financial credit score already approaches the burden of a social credit score.