The IMF, at least in its current form, shouldn't exist. The only way it can work is if artificial or instigated crises are periodically created to extract wealth from (or covertly tax) the masses so it can be redistributed to nations and NGOs that may or may not be risky lendees.

Credit scores might be a good idea in some respect but it shouldn't be possible for anyone but lenders and the individuals those scores represent, and they should only ever cover whether the person or organization is a good or bad risk for loaning them money or credit. Employers and landlords should never be able to know what your credit score is. At best they should know about your employment history, but if they want your credit score then they might as well ask what shows you watch on Netflix or if you look at porn, you know, for moral reasons.

Hopefully the system will be kept in check by decentralized tech, but who knows how long it will be before social credit will bar you from using the same internet as everyone else.