Would you date someone with bad credit?

No fuckin' way unless they could prove conclusively that their bad credit wasn't a result of their bad spending habits but some unforeseeable disaster that wasn't of their own making at all.

Money is at or near the top of the causes of conflict and stress in relationships. Why would I want any of that in my life? I'd rather be alone than join finances with an irresponsible spendthrift.

I'm not American and while credit score exists here (Finland), too, it is very very seldom discussed and people rarely even know their own credit score except if they are non-creditworthy.

Do you think credit score is equivalent to the Chinese social credit? Why or why not?

The American credit score and the Chinese social credit are not equivalent. The Chinese social credit is much more comprehensive. The Chinese social credit is based partly on questionable criteria that have no place in an open and democratic society.